b'D072\n\nCredit One Bank Platinum Visa\xc2\xae\n17.99% Variable Monthly Purchase APR (WSJ Prime + 14.74%)\n23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 3% Cash Advance Fee (whichever is greater)\n\nD081\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$75 Annual Fee first year, then $99 annually ($8.25 per month)\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD083\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$75 Annual Fee first year, then $99 annually ($8.25 per month)\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD098\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Non-Variable Monthly APR\n$75 Annual Fee first year, then $75 annually ($6.25 per month)\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD099\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Non-Variable Monthly APR\n$39 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD217\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD219\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD223\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly Purchase APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD224\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD232\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD233\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$75 Annual Fee first year, then $99 annually ($8.25 per month)\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD241\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD243\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD246\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD248\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD249\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD250\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD261\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Non-Variable Monthly APR\n$39 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD262\n\nCredit One Bank Platinum Visa\xc2\xae\n17.99% Variable Monthly Purchase / BT APR (WSJ Prime + 14.74%)\n23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD263\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD264\n\nCredit One Bank Platinum Visa\xc2\xae\n24.40% Non-Variable Monthly APR\n$75 Annual Fee first year, then $75 annually ($6.25 per month)\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD267\n\nCredit One Bank Platinum Visa\xc2\xae\n17.99% Variable Monthly Purchase / BT APR (WSJ Prime + 14.74%)\n23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD269\n\nCredit One Bank Platinum Visa\xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$95 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD242\n\nCredit One Bank American Express\xc2\xae Card\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD244\n\nCredit One Bank American Express\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$75 Annual Fee first year, then $99 annually ($8.25 per month)\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD245\n\nCredit One Bank American Express\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD247\n\nCredit One Bank American Express\xc2\xae Card\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD251\n\nCredit One Bank American Express\xc2\xae Card\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$0 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD252\n\nCredit One Bank American Express\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD255\n\nCredit One Bank American Express\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD270\n\nCredit One Bank Six Flags\xc2\xae Rewards Visa \xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD271\n\nCredit One Bank Six Flags\xc2\xae Rewards Visa \xc2\xae\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD272\n\nCredit One Bank Wander\xe2\x84\xa2 Card\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$95 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD273\n\nCredit One Bank Wander\xe2\x84\xa2 Card\n24.40% Variable Monthly APR (WSJ Prime + 21.15%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD275\n\nCredit One Bank American Express\xc2\xae Card\n24.40% Non-Variable Monthly APR\n$39 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD276\n\nCredit One Bank American Express\xc2\xae Card\n24.40% Non-Variable Monthly APR\n$75 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cD279\n\nCredit One Bank Best Friends\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$39 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD280\n\nCredit One Bank Best Friends\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$0 Annual Fee\n$10.00 or 5% Cash Advance Fee (whichever is greater)\n\nD281\n\nCredit One Bank WWE\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$49 Annual Fee\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\nD282\n\nCredit One Bank WWE\xc2\xae Card\n23.99% Variable Monthly APR (WSJ Prime + 20.74%)\n$75 Annual Fee first year, then $99 annually ($8.25 per month)\n$5.00 or 8% Cash Advance Fee (whichever is greater)\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and the corresponding logos are federally registered trademarks.\n\n2021.06.30\n\n\x0cCARD AGREEMENT\n\nD072\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n17.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n17.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 3% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 3% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a\nmonthly periodic rate of 1.49917%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic\nrate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\n10\nBack to Top\n\n06/21\n\nD072\n\n\x0cCARD AGREEMENT\n\nD081\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nPaying Interest\n\nYou will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $99 annually ($8.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash\nAdvances.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n4\n\n\x0cCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\ninclude your name, mailing address, and the last four digits of your Account number;\nspecify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\nprovide the specific phone number(s) and/or email address for which you are requesting communications to cease;\nsend this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\n5\n\n\x0cpermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\n\n6\n\n\x0cThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\n\n7\n\n\x0cHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n8\n\n\x0cYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD081\n\n\x0cCARD AGREEMENT\n\nD083\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nPaying Interest\n\nYou will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $99 annually ($8.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n\n1\n\n\x0c*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\n2\n\n\x0cwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\n\n3\n\n\x0cAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash\nAdvances.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\n4\n\n\x0clate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements\nthe Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to\nparticipate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this\nSupplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this\nSupplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as\ndefined below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Eligible Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the\nprevious month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted,\nyou WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 automotive parts and services.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD083\n\n\x0cCARD AGREEMENT\n\nD098\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $75 annually ($6.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\n4\n\n\x0cPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nprovide the specific phone number(s) and/or email address for which you are requesting communications to cease;\nsend this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\n6\n\n\x0cpredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\n7\n\n\x0cIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\n\n8\n\n\x0cAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\n9\n\n\x0cTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\n10\n\n\x0cProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD098\n\n\x0cCARD AGREEMENT\n\nD099\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\n4\n\n\x0cPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nprovide the specific phone number(s) and/or email address for which you are requesting communications to cease;\nsend this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\n6\n\n\x0cpredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\n7\n\n\x0cIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\n\n8\n\n\x0cAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\n9\n\n\x0cTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\n10\n\n\x0cProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD099\n\n\x0cCARD AGREEMENT\n\nD217\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\nBack to Top\n\n11\n\n06/21\n\nD217\n\n\x0cCARD AGREEMENT\n\nD219\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\n3\n\n\x0cadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\n4\n\n\x0clate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD219\n\n\x0cCARD AGREEMENT\n\nD223\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n\n1\n\n\x0c*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\n2\n\n\x0cwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\n\n3\n\n\x0cAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\n4\n\n\x0cPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\n5\n\n\x0cIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\n6\n\n\x0cthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\n7\n\n\x0cAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\n8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\n9\n\n\x0cWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements\nthe Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to\nparticipate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this\nSupplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this\nSupplement controls.\nEarning Cash Back Rewards:\nYou earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as defined below) made with your\nAccount. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit\nto your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\n10\n\n\x0cTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD223\n\n\x0cCARD AGREEMENT\n\nD224\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\n3\n\n\x0cadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\n4\n\n\x0clate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements\nthe Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to\nparticipate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this\nSupplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this\nSupplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as\ndefined below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Eligible Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the\nprevious month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted,\nyou WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 automotive parts and services.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD224\n\n\x0cCARD AGREEMENT\n\nD232\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\n3\n\n\x0cadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\n4\n\n\x0clate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD232\n\n\x0cCARD AGREEMENT\n\nD233\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nPaying Interest\n\nYou will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $99 annually ($8.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash\nAdvances.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n4\n\n\x0cCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\n5\n\n\x0cCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\n6\n\n\x0cThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\n7\n\n\x0cdecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\n8\n\n\x0cWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n9\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nWe make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\nAlthough a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\nPurchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\n\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n10\n\n06/21\n\nD233\n\n\x0cCARD AGREEMENT\n\nD241\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\n\n6\n\n\x0cClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\n7\n\n\x0cFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\n8\n\n\x0cIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n10\nBack to Top\n\n06/21\n\nD241\n\n\x0cCARD AGREEMENT\n\nD242\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\n\n4\n\n\x0cPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\n5\n\n\x0cIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\n6\n\n\x0cClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\n\n7\n\n\x0cFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not 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 us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD242\n\n\x0cCARD AGREEMENT\n\nD243\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD243\n\n\x0cCARD AGREEMENT\n\nD244\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $99 annually ($8.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n1\n\n\x0c*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\n2\n\n\x0cwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\n\n3\n\n\x0cAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n4\n\n\x0c(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\n5\n\n\x0cUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\n6\n\n\x0coutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\n7\n\n\x0cAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\n8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not 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 us in writing at the Billing Inquiries address shown on your\nstatement.\n\n9\n\n\x0cWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n10\n\n06/21\n\nD244\n\n\x0cCARD AGREEMENT\n\nD245\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\n\n4\n\n\x0cPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\n\n5\n\n\x0cUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\n6\n\n\x0cthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\n7\n\n\x0cAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\n8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not 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 us in writing at the Billing Inquiries address shown on your\nstatement.\n\n9\n\n\x0cWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n10\n\n06/21\n\nD245\n\n\x0cCARD AGREEMENT\n\nD246\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD246\n\n\x0cCARD AGREEMENT\n\nD247\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.40%\n\nAPR for Cash Advances\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\n4\n\n\x0clate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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.\n8\n\n\x0c\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\n\n9\n\n\x0cEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\nBack to Top\n\n10\n\n06/21\n\nD247\n\n\x0cCARD AGREEMENT\n\nD248\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.40%\n\nAPR for Cash Advances\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\n8\n\n\x0cYou 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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\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. We 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 you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 dining (dining Purchases do not include Purchases at stores like bakeries, candy, nut of confections stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD248\n\n\x0cCARD AGREEMENT\n\nD249\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\n3\n\n\x0cto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD249\n\n\x0cCARD AGREEMENT\n\nD250\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required\nto pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases\nmade while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit\nOne Bank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of\na statement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making\na claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused\n10\n\n\x0cby any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be\nyour responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of\nyour Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any\ncash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted,\nrespectively, by federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD250\n\n\x0cCARD AGREEMENT\n\nD251\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.40%\n\nAPR for Cash Advances\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\n3\n\n\x0cadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\n9\n\n\x0cEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n10\nBack to Top\n\n06/21\n\nD251\n\n\x0cCARD AGREEMENT\n\nD252\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\n8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\n9\n\n\x0cWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n10\nBack to Top\n\n06/21\n\nD252\n\n\x0cCARD AGREEMENT\n\nD255\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nfor only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use.\nYou may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American\nExpress charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign\nTransaction Fee listed in the Pricing Summary.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount.\n(2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not\nreceive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express\nwill convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ\nfrom the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted\namount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n8\n\n\x0c\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not 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 us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\nAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD255\n\n\x0cCARD AGREEMENT\n\nD261\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $7 or 4% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\n4\n\n\x0cSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n5\n\n\x0cCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\n6\n\n\x0cyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\n\n7\n\n\x0cAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\n8\n\n\x0cGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n9\n\n\x0c2.\n3.\n\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\n10\n\n\x0cwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n11\n\n06/21\n\nD261\n\n\x0cCARD AGREEMENT\n\nD262\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n17.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n17.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a\nmonthly periodic rate of 1.49917%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic\nrate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\n9\n\n\x0cAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required\nto pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases\nmade while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit\nOne Bank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of\na statement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making\na claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused\nby any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be\nyour responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of\nyour Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any\ncash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted,\nrespectively, by federal, state or local law.\n\n\xc2\xa9 2020 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n10\nBack to Top\n\nC50-01525 6/21\n\nD262\n\n\x0cCARD AGREEMENT\n\nD263\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\n7\n\n\x0cprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\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 stop 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 not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\n10\n\n\x0cLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\n06/21\n\nD263\n\n\x0cCARD AGREEMENT\n\nD264\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $75 annually ($6.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $7 or 4% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\n4\n\n\x0cSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n5\n\n\x0cCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\n6\n\n\x0cyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\n\n7\n\n\x0cAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\n8\n\n\x0cGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\n9\n\n\x0c2.\n3.\n\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or\nits processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar\nmerchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.\nPurchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit\nPurchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same\nmerchant at a different location may result in no reward.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\n10\n\n\x0cwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n\xc2\xa9 2020 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\nC50-01700 6/21\n\nD264\n\n\x0cCARD AGREEMENT\n\nD267\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n17.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n17.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a\nmonthly periodic rate of 1.49917%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic\nrate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as\ndefined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, Purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards offers on Purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location\nmay submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nEligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:\n\xe2\x80\xa2 gasoline,\n\xe2\x80\xa2 grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and\nconvenience stores; or at smaller stores like bakeries, candy, nut or confection stores),\n\xe2\x80\xa2 mobile phone service, and\n\xe2\x80\xa2 internet, cable and satellite TV service.\nPurchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards:\n\xe2\x80\xa2 oil, propane, home heating companies,\n\xe2\x80\xa2 PayPal,\n\xe2\x80\xa2 warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\n\xe2\x80\xa2 discount supercenters (including but not limited to Wal-Mart and Target).\nNet Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or\nfraudulent charges or other credits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required\nto pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases\nmade while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit\nOne Bank cash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of\na statement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making\na claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused\n10\n\n\x0cby any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be\nyour responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of\nyour Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any\ncash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted,\nrespectively, by federal, state or local law.\n\n\xc2\xa9 2020 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\nC50-01703 6/21\n\nD267\n\n\x0cCARD AGREEMENT\n\nD269\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nPaying Interest\n\nYou will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n\n1\n\n\x0c*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash\nAdvances.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\n4\n\n\x0cPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n5\n\n\x0c(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\n6\n\n\x0cThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\n\n7\n\n\x0cHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n8\n\n\x0cYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in\nthe Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.\nIn the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\n9\n\n\x0c\xe2\x80\xa2\n\n5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first\n$5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then\n1% thereafter.\n\xe2\x9d\x96 Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:\n\xe2\x9e\xa2 Any purchase at a warehouse club (including but not limited to Sam\xe2\x80\x99s Club and Costco);\n\xe2\x9e\xa2 Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller\nstores like bakeries, candy, nut or confection stores;\n\xe2\x9e\xa2 Purchases for oil or propane or at home heating companies; and\n\xe2\x9e\xa2 Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).\n\n\xe2\x80\xa2\n\n1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with\nyour Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at\nthe time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99 procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank\ncash back rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect\nyour ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n\xc2\xa9 2020 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n10\nBack to Top\n\nC50-01705 6/21\n\nD269\n\n\x0cCARD AGREEMENT\n\nD270\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Six Flags Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements\nthe Card Agreement that governs your Six Flags credit card account with rewards issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the\nAccount, you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision,\nif applicable, and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the\nProgram, this Supplement controls.\nEarning Six Flags Rewards\nYou earn rewards points for every dollar you spend for purchases using your Account minus returns, refunds, disputed charges, and fraudulent\ntransactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d) as follows:\n\xe2\x80\xa2\n\n3 points on eligible Six Flags purchases (See Merchant Categories below)\no Eligible purchases include purchases made at Six Flags theme and water park locations, within the United States, including parking,\nadmission, dining, and merchandise; purchases made at Six Flags\xe2\x80\x99 web sites; and stays at the Six Flags Great Escape Lodge.\nPurchases of Six Flags theme and water park ride photos or videos do not qualify. Purchases made through third party services do not\nqualify.\no Non-eligible purchases, where you earn 1 point, include purchases made at Six Flags properties outside the United States, purchases\nof ride photos or videos, and Six Flags purchases made through third-party services.\n\n\xe2\x80\xa2\n\n2 points on eligible gasoline, grocery, and lodging purchases (See Merchant Categories below)\no Gasoline purchases\n\xe2\x96\xaa Eligible purchases include gasoline purchases made at gas stations and automated fuel dispensers.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include purchases for oil, propane, and purchases made at home heating\ncompanies or at warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco).\no Grocery purchases\n\xe2\x96\xaa Eligible purchases include purchases made at grocery stores and supermarkets; butcher shops, fish/seafood markets, and meat\nmarkets; and convenience stores.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include purchases at drug stores; discount supercenters (including but not limited\nto Wal-Mart and Target); warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco; and small stores like bakeries,\ncandy, nut, or confection stores.\no Lodging purchases\n\xe2\x96\xaa Eligible purchases include purchases made at hotels, motels, inns, bed and breakfasts, and resorts.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include campgrounds, cruise lines, timeshares and hostels.\n\n\xe2\x80\xa2\n\n1 point on all other purchases, including the non-eligible purchases listed above, except as noted below.\n\xe2\x96\xaa Non-eligible purchases, where you earn no points, include travelers checks, foreign currency purchases, money orders, wire\ntransfers, and similar cash-like transactions.\n\nWe round the Net Eligible Purchase amount to the nearest whole dollar, and you must spend at least one dollar in Net Eligible Purchases with your\nAccount in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible\npurchase of $1.49, you are eligible to earn 1 point, and if your purchase amount is $0.99 or less, you are not eligible to earn any points.\nYou do not earn rewards points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and\nother similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in\ndefault, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Rewards points have no cash\nvalue until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person, including through such\nevents as inheritance, bankruptcy, or divorce.\nPoint accumulation is not capped and you may have a negative points balance (because of returns and other post-transaction actions). If your Account\nhas a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been brought to\nzero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by you or us. If\nwe find evidence of misuse, fraud, or the Account is in default as defined in your Card Agreement, you will not be able to redeem points. Points from\nseparate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder may redeem points.\nMerchant Categories\nMerchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with the\napplicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services primarily sold by the merchant. We have no control over\nmerchant codes. Please note:\n10\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nWe make every effort to include all relevant merchant codes in our rewards point categories. However, even though a merchant or some of\nthe items that it sells may appear to fit within a rewards points category, the merchant may not have a merchant code in that category. When\nthis occurs, purchases with that merchant won\xe2\x80\x99t qualify for rewards points in the category that they appear to fit, but will instead qualify for\nthe 1 point on all other purchases category.\nAlthough a merchant or the items that it sells may appear to fit the rewards points categories, the merchant may or may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for rewards points. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no rewards points.\nPurchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a rewards points category if the technology is not set up to process\nthe purchase in that rewards points category.\n\nRedeeming Rewards\nPoints may be redeemed for Six Flags products and services in the form of rewards vouchers. All point redemptions are subject to terms and conditions\nin this Supplement and as set forth at www.creditonebank.com/SixFlagsRewardsRedemptionTerms. The number of points you need to redeem for Six\nFlags products and services will be determined at redemption and may change without notice. The most up-to-date number of rewards points you\nhave available to redeem (which reflects any points adjustments, transfers, or redemptions) is available online or by calling Credit One Bank customer\nservice, and may differ from the available points shown on your last monthly billing statement.\nRewards vouchers are delivered digitally via email with a barcode that is to be scanned at participating Six Flags theme and water parks for the\nfulfillment of the redemption. A valid email address is required to receive your redemption. It is your responsibility to provide and maintain a current\nemail address with us. You can update your email address in the \xe2\x80\x9cSettings\xe2\x80\x9d area of your online Account or by contacting Customer Service at the\nnumber on the back of your credit card. Rewards vouchers are non-transferrable. Lost or stolen rewards vouchers cannot be replaced.\nAll redemptions for Six Flags products and services through the redemption site are final. Cancellations, returns, exchanges, or modifications are not\naccepted or allowed through the redemption site.\nFeedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, email, telephone,\nor otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without limitation, new\nfeatures or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own respective internal business\npurposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such use of Feedback for our or their\nown respective internal business purposes.\nConsumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE BANK,\nFDR AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER GOODS\nOR SERVICES. CREDIT ONE BANK, FDR AND THEIR VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR\nSERVICES WHICH YOU MAY ACQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK, FDR AND THEIR\nVENDORS DO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH\nCONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, SUITABILITY FOR A\nPARTICULAR PURPOSE, OR AGAINST INFRINGEMENT. WARRANTIES FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE\nAPPLICABLE THIRD-PARTY SUPPLIER\xe2\x80\x99S WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU\nACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR\nSERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, OBLIGATION AND/OR\nLIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN THE PROGRAM, YOU RELEASE\nCREDIT ONE BANK, FDR AND THEIR VENDORS FROM ANY AND ALL LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND\nSERVICES.\nInformation Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR\nSERVICES, CREDIT ONE BANK, FDR AND THEIR VENDORS MAY INTEGRATE WITH THIRD-PARTY SUPPLIERS SELECTED OR CHANGED\nBY CREDIT ONE BANK, FDR, AND/OR THEIR VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER\nGOODS AND/OR SERVICES REDEEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE\nCONSUMER GOODS AND SERVICES WITH THE THIRD-PARTY SUPPLIERS, CREDIT ONE BANK, FDR AND/OR THEIR VENDORS MAY SEND\nYOUR REQUIRED PERSONAL AND OTHER INFORMATION (INCLUDING, BUT NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING\nADDRESS, PHONE NUMBER AND EMAIL ADDRESS) TO THIRD-PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY\nPARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT\nCREDIT ONE BANK, FDR AND THEIR VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK, FDR\nAND THEIR VENDORS FROM ANY LIABILITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT\nSERVICES, FOR THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD-PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO\n11\n\n\x0cTHE THIRD-PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT\nSERVICE, YOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD-PARTY SUPPLIER.\nChanges\nThe Program may be changed (added to, modified or deleted) by us at any time, including without limitation, amendments to the definition of eligible\nand non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn rewards points.\nTermination\nWe may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your\nAccount for any eligible rewards points as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above\nat that time, you will receive a distribution of the rewards points earned through the current billing period. Redemption of rewards points available upon\nAccount closure is subject to the redemption terms and conditions available at www.creditonebank.com/SixFlagsRewardsRedemptionTerms.\nLimited Liability\nUnless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a claim on your behalf,\nin connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside\nof our control; (3) any taxes that you incur as a result of receiving rewards points, merchandise and/or services received through rewards points\nredemption, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase and/or receive through rewards points\nredemption, or for any direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One\nBank may have to you in connection with the Program shall be limited to the amount of any rewards points you have earned in this Program. The\nProgram and rewards points are void or limited where prohibited or restricted, respectively, by federal, state or local law.\n\nSIX FLAGS\xc2\xae and related indicia TM; \xc2\xa9 2021 Six Flags Theme Parks, Inc.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n12\nBack to Top\n\nC50-01707 6/21\n\nD270\n\n\x0cCARD AGREEMENT\n\nD271\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Six Flags Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements\nthe Card Agreement that governs your Six Flags credit card account with rewards issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the\nAccount, you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision,\nif applicable, and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the\nProgram, this Supplement controls.\nEarning Six Flags Rewards\nYou earn rewards points for every dollar you spend for purchases using your Account minus returns, refunds, disputed charges, and fraudulent\ntransactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d) as follows:\n\xe2\x80\xa2\n\n3 points on eligible Six Flags purchases (See Merchant Categories below)\no Eligible purchases include purchases made at Six Flags theme and water park locations, within the United States, including parking,\nadmission, dining, and merchandise; purchases made at Six Flags\xe2\x80\x99 web sites; and stays at the Six Flags Great Escape Lodge.\nPurchases of Six Flags theme and water park ride photos or videos do not qualify. Purchases made through third party services do not\nqualify.\no Non-eligible purchases, where you earn 1 point, include purchases made at Six Flags properties outside the United States, purchases\nof ride photos or videos, and Six Flags purchases made through third-party services.\n\n\xe2\x80\xa2\n\n2 points on eligible gasoline, grocery, and lodging purchases (See Merchant Categories below)\no Gasoline purchases\n\xe2\x96\xaa Eligible purchases include gasoline purchases made at gas stations and automated fuel dispensers.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include purchases for oil, propane, and purchases made at home heating\ncompanies or at warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco).\no Grocery purchases\n\xe2\x96\xaa Eligible purchases include purchases made at grocery stores and supermarkets; butcher shops, fish/seafood markets, and meat\nmarkets; and convenience stores.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include purchases at drug stores; discount supercenters (including but not limited\nto Wal-Mart and Target); warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco; and small stores like bakeries,\ncandy, nut, or confection stores.\no Lodging purchases\n\xe2\x96\xaa Eligible purchases include purchases made at hotels, motels, inns, bed and breakfasts, and resorts.\n\xe2\x96\xaa Non-eligible purchases, where you earn 1 point, include campgrounds, cruise lines, timeshares and hostels.\n\n\xe2\x80\xa2\n\n1 point on all other purchases, including the non-eligible purchases listed above, except as noted below.\n\xe2\x96\xaa Non-eligible purchases, where you earn no points, include travelers checks, foreign currency purchases, money orders, wire\ntransfers, and similar cash-like transactions.\n\nWe round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your\nAccount in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible\npurchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.\nYou do not earn rewards points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and\nother similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in\ndefault, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Rewards points have no cash\nvalue until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through such\nevents as inheritance, bankruptcy, or divorce.\nPoint accumulation is not capped and you may have a negative points balance (because of returns and other post-transaction actions). If your Account\nhas a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been brought to\nzero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by you or us. If\nwe find evidence of misuse, fraud, or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points. Points from\nseparate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder may redeem points.\nMerchant Categories\nMerchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with the\napplicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services primarily sold by the merchant. We have no control over\nmerchant codes. Please note:\n10\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nWe make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of\nthe items that it sells may appear to fit within a rewards points category, the merchant may not have a merchant code in that category. When\nthis occurs, purchases with that merchant won\xe2\x80\x99t qualify for rewards points in the category that they appear to fit, but will instead qualify for\nthe 1 point on all other purchases category.\nAlthough a merchant or the items that it sells may appear to fit the rewards points categories, the merchant may or may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for rewards points. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no rewards points.\nPurchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a rewards points category if the technology is not set up to process\nthe purchase in that rewards points category.\n\nRedeeming Rewards\nPoints may be redeemed for Six Flags products and services in the form of rewards vouchers. All point redemptions are subject to terms and conditions\nin this Supplement and as set forth at www.creditonebank.com/SixFlagsRewardsRedemptionTerms. The number of points you need to redeem for Six\nFlags products and services will be determined at redemption and may change without notice. The most up-to-date number of rewards points you\nhave available to redeem (which reflects any points adjustments, transfers, or redemptions) is available online or by calling Credit One Bank customer\nservice, and may differ from the available points shown on your last monthly billing statement.\nRewards vouchers are delivered digitally via email with a barcode that is to be scanned at participating Six Flags theme and water parks for the\nfulfillment of the redemption. A valid email address is required to receive your redemption. It is your responsibility to provide and maintain a current\nemail address with us. You can update your email address in the \xe2\x80\x9cSettings\xe2\x80\x9d area of your online Account or by contacting Customer Service at the\nnumber on the back of your credit card. Rewards vouchers are non-transferrable. Lost or stolen rewards vouchers cannot be replaced.\nAll redemptions for Six Flags products and services through the redemption site are final. Cancellations, returns, exchanges, or modifications are not\naccepted or allowed through the redemption site.\nFeedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, email, telephone,\nor otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without limitation, new\nfeatures or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own respective internal business\npurposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such use of Feedback for our or their\nown respective internal business purposes.\nConsumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE BANK,\nFDR AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER GOODS\nOR SERVICES. CREDIT ONE BANK, FDR AND THEIR VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR\nSERVICES WHICH YOU MAY ACQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK, FDR AND THEIR\nVENDORS DO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH\nCONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, SUITABILITY FOR A\nPARTICULAR PURPOSE, OR AGAINST INFRINGEMENT. WARRANTIES FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE\nAPPLICABLE THIRD-PARTY SUPPLIER\xe2\x80\x99S WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU\nACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR\nSERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, OBLIGATION AND/OR\nLIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN THE PROGRAM, YOU RELEASE\nCREDIT ONE BANK, FDR AND THEIR VENDORS FROM ANY AND ALL LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND\nSERVICES.\nInformation Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR\nSERVICES, CREDIT ONE BANK, FDR AND THEIR VENDORS MAY INTEGRATE WITH THIRD-PARTY SUPPLIERS SELECTED OR CHANGED\nBY CREDIT ONE BANK, FDR, AND/OR THEIR VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER\nGOODS AND/OR SERVICES REDEEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE\nCONSUMER GOODS AND SERVICES WITH THE THIRD-PARTY SUPPLIERS, CREDIT ONE BANK, FDR AND/OR THEIR VENDORS MAY SEND\nYOUR REQUIRED PERSONAL AND OTHER INFORMATION (INCLUDING, BUT NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING\nADDRESS, PHONE NUMBER AND EMAIL ADDRESS) TO THIRD-PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY\nPARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT\nCREDIT ONE BANK, FDR AND THEIR VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK, FDR\nAND THEIR VENDORS FROM ANY LIABILITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT\nSERVICES, FOR THE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD-PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO\nTHE THIRD-PARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT\nSERVICE, YOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD-PARTY SUPPLIER.\n11\n\n\x0cChanges\nThe Program may be changed (added to, modified or deleted) by us at any time, including without limitation, amendments to the definition of eligible\nand non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn rewards points.\nTermination\nWe may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your\nAccount for any eligible rewards points as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above\nat that time, you will receive a distribution of the rewards points earned through the current billing period. Redemption of rewards points available upon\nAccount closure is subject to the redemption terms and conditions available at www.creditonebank.com/SixFlagsRewardsRedemptionTerms.\nLimited Liability\nUnless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a claim on your behalf,\nin connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside\nof our control; (3) any taxes that you incur as a result of receiving rewards points, merchandise and/or services received through rewards points\nredemption, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase and/or receive through rewards points\nredemption, or for any direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One\nBank may have to you in connection with the Program shall be limited to the amount of any rewards points you have earned in this Program. The\nProgram and rewards points are void or limited where prohibited or restricted, respectively, by federal, state or local law.\n\nSIX FLAGS\xc2\xae and related indicia TM; \xc2\xa9 2021 Six Flags Theme Parks, Inc.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n12\n\nC50-01706 6/21\n\nD271\n\n\x0cCARD AGREEMENT\n\nD272\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.40%\n\nAPR for Cash Advances\n\n24.40%\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$95\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card\nAgreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to\nparticipate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this\nSupplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this\nSupplement controls.\n\n9\n\n\x0cEarning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed\ncharges, and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d) as follows:\n\xe2\x80\xa2 5 points on eligible recreational and amusement park purchases (See Merchant Categories below)\no Eligible purchases include purchases made at national parks, amusement parks, sports promoters (professional live events),\ntheatrical producers, tourist attractions, aquariums and zoos.\no Non Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, movie theaters, gyms\nand non-industry entertainment merchant codes like cable, digital streaming and membership services.\n\xe2\x80\xa2 3 points on eligible restaurant and lodging purchases (See Merchant Categories below)\no Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels,\ninns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals.\no Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount supercenters (including but\nnot limited to Wal-Mart and Target); Warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco); small stores like\nbakeries, candy, nut or confection stores; or stores that sell groceries and other products like drugstores and convenience stores;\ncruise lines; timeshares; and hostels.\n\xe2\x80\xa2 1 point on all other purchases, including the non-eligible purchases listed above.\no Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire\ntransfers, and similar cash-like transactions.\nWe round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your\nAccount in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible\npurchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.\nYou do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and\nother similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in\ndefault, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash\nvalue until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through\nsuch events as inheritance, bankruptcy or divorce.\nPoint accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your\nAccount has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been\nbrought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by\nyou or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points.\nPoints from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder\nmay redeem points.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services primarily sold by the merchant. We\nhave no control over merchant codes. Please note:\no We make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of\nthe items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category.\nWhen this occurs, purchases with that merchant won\xe2\x80\x99t qualify for reward points in the category that they appear to fit, but instead will\nqualify for the one point on all other purchases category.\no Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not have or use an eligible\nmerchant code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location\nmay submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no reward points.\no Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process\nthe purchase in that reward points category.\nRedeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point\nredemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted\nto your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may\nchange without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may\nchange without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers,\nor redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing\nstatement.\nFeedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail,\ntelephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without\nlimitation, new features or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own,\n10\n\n\x0crespective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such\nuse of Feedback for our or their own, respective internal business purposes.\nConsumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE\nBANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER\nGOODS OR SERVICES. CREDIT ONE BANK AND ITS VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR\nSERVICES WHICH YOU MAY AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS\nDO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH\nCONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, SUITABILITY FOR A\nPARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES FOR CONSUMER GOODS AND SERVICES ARE LIMITED TO THE\nAPPLICABLE THIRD PARTY SUPPLIER\xe2\x80\x99S WARRANTIES AND RETURN POLICIES. BY PARTICIPATING IN THE PROGRAM, YOU\nACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING THE CONSUMER GOODS AND/OR\nSERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY, REMEDY, OBLIGATION AND/OR\nLIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN THE PROGRAM, YOU RELEASE\nCREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL LIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES.\nInformation Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR\nSERVICES, CREDIT ONE BANK AND/ OR ITS VENDORS MAY INTEGRATE WITH THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY\nCREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR\nSERVICES REEDEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER\nGOODS AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND YOUR REQUIRED\nPERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING ADDRESS,\nPHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY\nPARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT\nCREDIT ONE BANK AND ITS VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS\nVENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT SERVICES, FOR\nTHE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO THE THIRD\nPARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE,\nYOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER.\nProgram Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable statement (subject to the\nredemption terms and conditions, available at www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back\nrewards will reduce the balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment Due\nas shown on your billing statement each month.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn reward\npoints.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible reward points as of the Program termination date. Provided that you meet all of the other Program Restrictions\nlisted above at that time, you will receive a distribution of the reward points earned through the current billing period. Redemption of reward points\navailable upon Account closure is subject to the redemption terms and conditions available at\nwww.creditonebank.com/WanderRewardsRedemptionTerms.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving reward points, cash back rewards, merchandise and/or\nservices received through reward points redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you\npurchase and/or receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any\nreward points you have earned in this Program. The Program, reward points and cash back rewards are void or limited where prohibited or\nrestricted, respectively, by federal, state or local law.\n\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\nC50-01710 01/21\n\nD272\n\n\x0cCARD AGREEMENT\n\nD273\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n24.40%\n\nAPR for Cash Advances\n\n24.40%\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This\ncorresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xef\x82\xb7 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xef\x82\xb7 any Late Payment Fee for the current billing cycle;\n\xef\x82\xb7 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\n\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\n\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xef\x82\xb7 include your name, mailing address, and the last four digits of your Account number;\n\xef\x82\xb7 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xef\x82\xb7 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xef\x82\xb7 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\n\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights a\nnd obligations only of the parties named in the arbitration, and shall not have any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and Account number.\n8\n\n\x0c\xef\x82\xb7\n\xef\x82\xb7\n\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nCash Back Rewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Bank Wander Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and\nsupplements the Card Agreement that governs your Wander credit card account issued by Credit One Bank, N.A. (the\n\xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program. Your participation is subject to the terms of the\n9\n\n\x0cCard Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of a conflict between the Card Agreement and\nthis Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed\ncharges, and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d) as follows:\n\xef\x82\xb7 3 points on eligible recreational and amusement park purchases (See Merchant Categories below)\no Eligible purchases include purchases made at national parks, amusement parks, sports promoters (professional live events),\ntheatrical producers, tourist attractions, aquariums and zoos.\no Non-Eligible purchases where you earn 1 point include collegiate sporting events, golf courses, casinos, movie theaters, gyms\nand non-industry entertainment merchant codes like cable, digital streaming and membership services.\n\xef\x82\xb7 2 points on eligible restaurant and lodging purchases (See Merchant Categories below)\no Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels,\ninns, bed and breakfasts, resorts, campgrounds and motor home/RV rentals.\no Non-Eligible purchases where you earn 1 point include purchases made at grocery stores; discount supercenters (including but\nnot limited to Wal-Mart and Target); Warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco); small stores like\nbakeries, candy, nut or confection stores; or stores that sell groceries and other products like drugstores and convenience stores;\ncruise lines; timeshares; and hostels.\n\xef\x82\xb7 1 point on all other purchases, including the non-eligible purchases listed above.\no Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire\ntransfers, and similar cash-like transactions.\nWe round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your\nAccount in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible\npurchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.\nYou do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and\nother similar charges. Points are posted to your Account within seven days after an eligible transaction posts to your Account. If your Account is in\ndefault, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash\nvalue until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through\nsuch events as inheritance, bankruptcy or divorce.\nPoint accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your\nAccount has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been\nbrought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 30 days after your Account is closed by\nyou or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points.\nPoints from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder\nmay redeem points.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services primarily sold by the merchant. We\nhave no control over merchant\ncodes. Please note:\n\xef\x82\xb7 We make every effort to include all relevant merchant codes in our reward point categories. However, even though a merchant or some of\nthe items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category.\nWhen this occurs, purchases with that merchant won\xe2\x80\x99t qualify for reward points in the category that they appear to fit, but instead will\nqualify for the one point on all other purchases category.\n\xef\x82\xb7 Although a merchant or the items that it sells may appear to fit the reward point categories, the merchant may not have or use an eligible\nmerchant code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location\nmay submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the\nsame merchant at a different location may result in no reward points.\n\xef\x82\xb7 Purchases submitted by you, an Authorized User, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process\nthe purchase in that reward points category.\nRedeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point\nredemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Cash back rewards posted\nto your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may\nchange without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may\nchange without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers,\n10\n\n\x0cor redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing\nstatement.\nFeedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail,\ntelephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without\nlimitation, new features or functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own,\nrespective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such\nuse of Feedback for our or their own, respective internal business purposes.\nConsumer Goods/Services Disclaimer. BY PARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE THAT CREDIT ONE\nBANK AND ITS VENDORS ARE ONLY PROVIDING THE PROGRAM TO EARN AND REDEEM POINTS AND NOT PROVIDING CONSUMER\nGOODS OR SERVICES. CREDIT ONE BANK AND ITS VENDORS ARE NOT INVOLVED IN WARRANTING ANY CONSUMER GOODS OR\nSERVICES WHICH YOU MAY AQUIRE UTILIZING THE PROGRAM AND REDEMPTION SERVICES. CREDIT ONE BANK AND ITS VENDORS\nDO NOT MAKE, AND AFFIRMATIVELY DISCLAIM, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH\nRESPECT TO SUCH CONSUMER GOODS OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF\nMERCHANTABILITY, SUITABILITY FOR A PARTICULAR PURPOSE, OR AGAINST INFRINGMENT. WARRANTIES FOR CONSUMER GOODS\nAND SERVICES ARE LIMITED TO THE APPLICABLE THIRD PARTY SUPPLIER\xe2\x80\x99S WARRANTIES AND RETURN POLICIES. BY\nPARTICIPATING IN THE PROGRAM, YOU ACKNOWLEDGE AND AGREE TO LOOK SOLELY TO THE APPLICABLE MERCHANT PROVIDING\nTHE CONSUMER GOODS AND/OR SERVICES REDEEMED OR PURCHASED BY YOU UTILIZING THE PROGRAM FOR ANY WARRANTY,\nREMEDY, OBLIGATION AND/OR LIABILITY WITH RESPECT TO SUCH CONSUMER PRODUCTS AND/OR SERVICES. BY PARTICIPATING IN\nTHE PROGRAM, YOU RELEASE CREDIT ONE BANK AND ITS VENDORS FROM ANY AND ALL\nLIABILITY WITH RESPECT TO SUCH CONSUMER GOODS AND SERVICES.\nInformation Disclaimer. IN THE COURSE OF PROVIDING THE PROGRAM AND REDEMPTION SERVICE FOR CONSUMER GOODS AND/OR\nSERVICES, CREDIT ONE BANK AND/OR ITS VENDORS MAY INTEGRATE WITH THIRD PARTY SUPPLIERS SELECTED OR CHANGED BY\nCREDIT ONE BANK AND/OR ITS VENDORS, IN THEIR SOLE DISCRETION, FOR THE FULFILLMENT OF SUCH CONSUMER GOODS AND/OR\nSERVICES REEDEMED OR PURCHASED UTILIZING THE PROGRAM. IN ORDER TO FACILITATE FULFILLMENT OF THE CONSUMER\nGOODS AND SERVICES WITH THE THIRD PARTY SUPPLIERS, CREDIT ONE BANK AND/OR ITS VENDORS MAY SEND YOUR REQUIRED\nPERSONAL AND OTHER INFORMATION (WHICH CAN INCLUDE, BUT IS NOT LIMITED TO FIRST NAME, LAST NAME, SHIPPING ADDRESS,\nPHONE NUMBER AND EMAIL ADDRESS) TO THIRD PARTY SUPPLIERS TO FACILITATE THE PURCHASE OR REDEMPTION. BY\nPARTICIPATING IN THE PROGRAM AND REDEEMING POINTS FOR CONSUMER GOODS OR SERVICES, YOU THEREFORE AGREE THAT\nCREDIT ONE BANK AND ITS VENDORS WILL NOT BE HELD RESPONSIBLE AND YOU HEREBY RELEASE CREDIT ONE BANK AND ITS\nVENDORS FROM ANY LIABLITY FOR YOUR INFORMATION AFTER IT IS INPUT INTO THE REDEMPTION FULFILLMENT SERVICES, FOR\nTHE EXCLUSIVE BENEFIT OF, AND USE BY, THE THIRD PARTY SUPPLIER, BY YOU AND CORRECTLY TRANSMITTED TO THE THIRD\nPARTY SUPPLIER FOR ORDER FULFILLMENT. AFTER YOUR INFORMATION IS PLACED INTO THE REDEMPTION FULFILLMENT SERVICE,\nYOUR INFORMATION SHALL BE SUBJECT TO THE PRIVACY POLICY AND TERMS OF SUCH THIRD PARTY SUPPLIER.\nProgram Restrictions: If you choose to redeem points for cash back rewards, you will receive a credit on the applicable statement (subject to the\nredemption terms and conditions, available at www.creditonebank.com/WanderRewardsRedemptionTerms). Statement credits for cash back\nrewards will reduce the balance on your Account but will not count as a payment. You will still be required to pay at least the Minimum Payment Due\nas shown on your billing statement each month.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition\nof eligible and non-eligible purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn reward\npoints.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible reward points as of the Program termination date. Provided that you meet all of the other Program Restrictions\nlisted above at that time, you will receive a distribution of the reward points earned through the current billing period. Redemption of reward points\navailable upon Account closure is subject to the redemption terms and conditions available at\nwww.creditonebank.com/WanderRewardsRedemptionTerms.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving reward points, cash back rewards, merchandise and/or\nservices received through reward points redemption, payment of which taxes will be your responsibility; (4) any merchandise or services you\npurchase and/or receive through reward points redemption, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any\nreward points you have earned in this Program. The Program, reward points and cash back rewards are void or limited where prohibited or\nrestricted, respectively, by federal, state or local law.\n11\n\n\x0c\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n12\nBack to Top\n\nC50-01711 01/21\n\nD273\n\n\x0cCARD AGREEMENT\n\nD275\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $7 or 4% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\n4\n\n\x0cPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nprovide the specific phone number(s) and/or email address for which you are requesting communications to cease;\nsend this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\n6\n\n\x0cpredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\n7\n\n\x0cIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\n\n8\n\n\x0cAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\n9\n\n\x0cTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n10\n\n\x0cAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n11\n\nC50-01712 01/21\n\nD275\n\n\x0cCARD AGREEMENT\n\nD276\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n24.40%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n24.40%\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$75\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $7 or 4% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nMilitary Lending Act Protections\nCovered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service\nMembers and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b).\nCompliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on\npermissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate\nStatement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that\nis inconsistent with the Military Lending Act shall not apply to you.\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\n2\n\n\x0cConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\n3\n\n\x0cVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\n4\n\n\x0cPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nprovide the specific phone number(s) and/or email address for which you are requesting communications to cease;\nsend this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\n\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\n6\n\n\x0cpredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\n7\n\n\x0cIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\n\n8\n\n\x0cAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\n9\n\n\x0cTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement\nthat governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program.\nYour participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of\na conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with\nyour Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement\ncredit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous\nmonth to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you\nWILL NOT receive the credit. Cash back rewards have no cash value.\nNet Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other\ncredits for such Purchases.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic\nstatement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at\nleast the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while\nyour Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash\nback rewards program.\nChanges: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law.\nAny revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back\nrewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by\nfederal, state or local law.\n\n10\n\n\x0cAmerican Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One\nBank, N.A., pursuant to a license from American Express.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\nBack to Top\n\n11\n\nC50-01713 01/21\n\nD276\n\n\x0cCARD AGREEMENT\n\nD279\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$39\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn 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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Best Friends\xc2\xae Cash Back Rewards\nProgram (\xe2\x80\x9cProgram\xe2\x80\x9d) and supplements the Card Agreement that governs your credit card account issued by Credit One Bank,\nN.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you agree to participate in the Program. Your participation is subject to the terms\nof the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of a conflict between\nthe Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible pet shop and pet food and supply store purchases for the first $5,000 per calendar year in eligible pet shop\nand pet food and supply store purchases, and then 1% thereafter.\no Certain Non-Eligible Purchases. The following types of purchases are not eligible for cash back rewards:\no Pet grooming, unless ancillary service at a pet shop or pet food and supplies store;\no Pet sitting and boarding, unless ancillary service at a pet shop or pet food and supplies store;\no Veterinary services; and\no Purchases made with PayPal, at a discount supercenter (including but not limited to Wal-Mart and Target), or at\nwarehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco).\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made\nwith your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card\nAgreement, at the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program, including without limitation, eligible and non-eligible purchases, may be changed (added to, modified or deleted) by us at any\ntime without notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\n10\n\n\x0cresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\nBest Friends Animal Society and any associated logos are trademarks of Best Friends Animal Society, and are used under license by Credit One\nBank.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n11\nBack to Top\n\nC50-01714 03/21\n\nD279\n\n\x0cCARD AGREEMENT\n\nD280\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\nthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\n1\n\n\x0cPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xe2\x80\xa2 3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xe2\x80\xa2 any Late Payment Fee for the current billing cycle;\n\xe2\x80\xa2 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\nyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n2\n\n\x0cFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\nFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\n3\n\n\x0ctransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\nIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\n4\n\n\x0cPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n\xe2\x80\xa2 include your name, mailing address, and the last four digits of your Account number;\n\xe2\x80\xa2 specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n\xe2\x80\xa2 provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n\xe2\x80\xa2 send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\npartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\n5\n\n\x0cAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\nNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\n6\n\n\x0cUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\n\xe2\x80\xa0Notice\n\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\nadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\n\n7\n\n\x0cOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\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 believe is wrong and why you believe it is a mistake.\nYou must contact us:\n8\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or 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 with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank Best Friends\xc2\xae Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d)\nand supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account,\nyou agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable,\nand this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this\nSupplement controls.\n\n9\n\n\x0cEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n5% cash back rewards on eligible pet shop and pet food and supply store purchases for the first $5,000 per calendar year in eligible pet shop\nand pet food and supply store purchases, and then 1% thereafter.\no Certain Non-Eligible Purchases. The following types of purchases are not eligible for cash back rewards:\no Pet grooming, unless ancillary service at a pet shop or pet food and supplies store;\no Pet sitting and boarding, unless ancillary service at a pet shop or pet food and supplies store;\no Veterinary services; and\no Purchases made with PayPal, at a discount supercenter (including but not limited to Wal-Mart and Target), or at\nwarehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco).\n\nYou do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other\ncharges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made\nwith your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card\nAgreement, at the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xe2\x80\xa2 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category.\n\xe2\x80\xa2 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xe2\x80\xa2 Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers,\nonline or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process\nthe purchase in that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made\nwhile your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One\nBank cash back rewards program.\nChanges: The Program, including without limitation, eligible and non-eligible purchases, may be changed (added to, modified or deleted) by us at any\ntime without notice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\nTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\n10\n\n\x0cBest Friends Animal Society and any associated logos are trademarks of Best Friends Animal Society, and are used under license by Credit One\nBank.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\n\n11\nBack to Top\n\nC50-01715 03/21\n\nD280\n\n\x0cCARD AGREEMENT\n\nD281\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n23.99%\n\nAPR for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$49\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n1. 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n2. any Late Payment Fee for the current billing cycle;\n3. and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\n\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you do not, it will be part of this Agreement.\nPromise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances,\nas well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.\n\nDefinitions\nAccount means the Credit One Bank card account under this Agreement.\nAuthorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued\na Card and you want to terminate the Authorized User, you must notify us by telephone or in writing.\nBalance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot\nbe used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.\nCard refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get\ncredit under this Agreement.\nCardholder refers to each person with a card issued in their name.\nCash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.\nConvenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.\nPurchase means the use of the Account to obtain goods or services.\nPrime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day\nif that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.\nwe, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.\n2\n\n\x0cyou, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.\n\nFeatures and Use of Your Account\nUsing Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not\nmake more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account\nonly for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not\nuse the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.\nYour Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may\ndesignate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without\nnotice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer\nobtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount\nof any payment that we receive for up to 12 calendar days.\nCredit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing\nthe request.\nCredit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone\nrefuses any use of your Card.\nAutomatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date\nto any merchant at our discretion. Contact the merchant to stop automatic billing.\nJoint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if\nthe Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a\ncourt to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to\nthe credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you.\nWe may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.\nElectronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this\nAgreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those\nterms or for any consequences from violating those terms.\nAdditional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That\nperson is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including\nbalance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account\nwill be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an\nAdditional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have\nprovided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional\nCardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The\nAdditional Cardholder may report the Card lost or stolen and may remove him or herself from the Account.\n\nInterest Rates and Interest Changes\nAnnual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard\nPurchases, unless a promotional rate applies.\nVariable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate\nthe number of percentage points (\xe2\x80\x9cmargin\xe2\x80\x9d) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes.\nThe APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate\nchanges. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.\nAverage Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nfor each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of\nbalances.\n3\n\n\x0cFor each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest.\nThis is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We\nadd any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add\ntransaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees\nto the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as\nzero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that\ntype of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest\ncharged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for\nall types of balances are then added together to determine the total interest charged that billing cycle.\nWhen Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest\nuntil you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest\non Balance Transfers or Cash Advances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace Period\xe2\x80\x9d): If you pay the New Balance on your billing statement by the Payment Due Date\nshown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The\nPayment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding\ninterest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging\ninterest on the unpaid portion of your balance.\n\nFees\n\nSee the Pricing Summary for additional Fee information.\nAnnual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed\nto the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account\nand have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.\nCredit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your\nrequest and before you agree to it.\nForeign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a\nU.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.\nOptional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will\nbe informed of the amount of the fee before you complete the transaction.\nDuplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be\ncharged a fee of up to $10 for each statement copy requested.\nSales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you\nwill be charged a fee of $6 for each sales slip copy requested.\nReplacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.\n\nPayments\nMinimum Payment Due: See the Pricing Summary for the minimum payment requirements.\nSmall Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows:\n(1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to\nzero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the\nbalance will be rounded to zero and you will not receive a refund of this amount.\nPayment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms\ncontained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be\na delay in processing and crediting the payment to your Account.\n4\n\n\x0cIrregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as \xe2\x80\x9cpaid in full,\xe2\x80\x9d\nand any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept\nlate payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under\nthis Agreement.\nPostdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated\ncheck on the day we receive it.\nPayment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.\n\nCollecting, Sharing, and Updating Information\nCustomer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes\nthe personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our\nsharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like\na copy.\nInformation About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify\nyour identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of\ncredit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines\nof credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting\nagency that provided us with information concerning you.\nFurnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may\nproperly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O.\nBox 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.\nTelephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing\nCredit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone\nnumber (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we\nmay contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message\nor email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf,\ncontact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized\nto provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification\npurposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information\nabout special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number or email address, without reimbursement from us.\nCommunication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud\nrelated communications or legally required communications. To change your communication preferences or to revoke consent you must write us.\nPlease:\n1. include your name, mailing address, and the last four digits of your Account number;\n2. specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;\n3. provide the specific phone number(s) and/or email address for which you are requesting communications to cease;\n4. send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.\nCertain communication preferences can be changed on-line. Please log in to your Account to see if that option is available.\nTelephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.\nUpdating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is\nyour responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information.\nYou can update your mobile number by calling us at the phone number on the back of your Card.\nIndemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for\na telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other\n5\n\n\x0cpartners and employees for any costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred as a result of us contacting or attempting to contact\nyou at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.\n\nAccount Closure\nDefault: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably\nbelieve you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this\nAgreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction;\n(5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer\npermanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately\ndue and payable without advance notice.\nCollection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable\nattorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nClosing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any\njoint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to\nan Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.\nWe may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account\nis closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.\nHowever, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required\nto pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding\nto zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.\n\nArbitration Agreement\nPLEASE READ CAREFULLY\xe2\x80\x94IMPORTANT\xe2\x80\x94AFFECTS YOUR LEGAL RIGHTS\nThis agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You\nhave the right to REJECT this agreement to arbitrate by using the procedure explained below.\nIf you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be\nresolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator\ndecisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY\xe2\x80\x94 CLASS ACTIONS AND SIMILAR\nPROCEDURES WILL NOT BE AVAILABLE TO YOU.\nAgreement to Arbitrate: You and we agree that either you or we may, without the other\xe2\x80\x99s consent, require that controversies or disputes between\nyou and us (all of which are called \xe2\x80\x9cClaims\xe2\x80\x9d), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the \xe2\x80\x9cFAA\xe2\x80\x9d), 9 U.S.C. \xc2\xa71 et\nseq., and (to the extent State law is applicable), the laws of the State of Nevada.\nFor purposes of this agreement to arbitrate, \xe2\x80\x9cyou\xe2\x80\x9d includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone\nelse connected with you or claiming through you; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors,\npredecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with\nthe subject matter of the claim or dispute at issue.\nCovered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your\nAccount; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on\nyour Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related\nto your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for,\napproval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether\ncontract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether\nthey arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any\noutstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of\nthis agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are\nsubject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.\nClaims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a\nsmall claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.\n6\n\n\x0cNo Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent\nsimilarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same\naccount), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:\nUNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE\nIN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.\nThe arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative\nbasis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).\nThis also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is\nthe named party.\xe2\x80\xa0\nto California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy\nof public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the\nbilling address for your Account is a California address (hereafter, \xe2\x80\x9cCalifornia Account Holder\xe2\x80\x9d).\n\xe2\x80\xa0Notice\n\nInitiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) before a single arbitrator under the\nAAA\xe2\x80\x99s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision.\nInformation about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or\nmutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located\nin the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state\nappellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.\nIn the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be\narbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with\nthe FAA).\nArbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private\norganization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You\nmay represent yourself in arbitration, or you may be represented by a lawyer.\nUnder this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator\nis bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time\nthe arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card\nAgreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject\nto the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any\ndamages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages\nor other relief that it could recover if it prevailed in a court proceeding. An arbitrator\xe2\x80\x99s award shall consist of a written statement setting forth the\ndisposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions\non which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not\nhave any bearing on another person or dispute.\nIf your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing,\nor in an in-person hearing.\nAny in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties\nagree to a different place.\nThe Arbitrator\xe2\x80\x99s Decision: The arbitrator\xe2\x80\x99s decision will be final and binding on the parties. A party can file a written appeal to the arbitration\nadministrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the\nsame arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any\naspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled \xe2\x80\x9cFees and Costs\xe2\x80\x9d.\nAny review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable\nby any court having jurisdiction.\nFees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator\xe2\x80\x99s rules of procedure. If you file the\narbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration\n7\n\n\x0cadministrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator\xe2\x80\x99s rules of\nprocedure. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any other expenses, unless the arbitrator awards such fees or\nexpenses to you or us if allowed by applicable law.\nOther Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply\nto: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users\nof your Account(s).\nHow to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection\nwithin 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention:\nArbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you\ndecide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address,\naccount number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.\nSurvival, Severability, and Amendment of Terms:\nSurvival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us,\nincluding the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity.\nSeverability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect\nand shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate\nor your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement\nto arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is\nunenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.\nAmendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or\nin a written agreement between you and us.\n\nOther Information\nTransactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard\nInternational Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by\nMastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction\nis posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.\nChanges to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement,\nconsistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.\nUnauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your\npermission.\nAssignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under\nthis Agreement.\nNo Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.\nGoverning Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws\napply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.\nConformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform\nto applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.\n8\n\n\x0cIn your letter, give us the following information:\n1. Account information: Your name and Account number.\n2. Dollar amount: The dollar amount of the suspected error.\n3. Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n1. Within 60 days after the error appeared on your statement.\n2. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n1. We cannot try to collect the amount in question, or report you as delinquent on that amount.\n2. The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n3. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n4. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n2.\n3. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you\na statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nor operate the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n9\n\n\x0cRewards Program Supplement\nThis document (\xe2\x80\x9cSupplement\xe2\x80\x9d) describes the terms and conditions of the Credit One Bank WWE\xc2\xae Cash Back Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) and\nsupplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the \xe2\x80\x9cAccount\xe2\x80\x9d). By using the Account, you\nagree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable,\nand this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program,\nthis Supplement controls.\nEarning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus\nreturns, refunds, disputed charges and fraudulent transactions (\xe2\x80\x9cNet Eligible Purchases\xe2\x80\x9d), as follows:\n\xef\x82\xb7 3% cash back rewards on eligible internet, cable and satellite TV service, and mobile phone service purchases. Certain purchases in these\nmerchant categories may only qualify for 1% cash back rewards. See information on 1% cash back rewards and Merchant Categories.\n\xef\x82\xb7 2% cash back rewards on eligible restaurant purchases Certain purchases in these merchant categories may only qualify for 1% cash back\nrewards. See information on 1% cash back rewards and Merchant Categories.\n\xef\x82\xb7 1% cash back rewards on all other purchases, including the purchases listed below:\no purchases made with Paypal\no grocery stores,\no discount supercenters (including but not limited to Wal-Mart and Target),\no warehouse clubs (including but not limited to Sam\xe2\x80\x99s Club and Costco),\no small stores like bakeries, candy, nut, or confection stores, or\no stores that sell groceries and other products like drugstores and convenience stores.\nYou do not earn cash back rewards on the following types of transactions:\n\xef\x82\xb7 Cash Advances,\n\xef\x82\xb7 Balance Transfers,\n\xef\x82\xb7 travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions,\n\xef\x82\xb7 unauthorized charges,\n\xef\x82\xb7 items returned for credit,\n\xef\x82\xb7 interest, fees, and other charges.\nWe will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your\nAccount from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the\ntime any statement credit is to be posted, you WILL NOT receive the applicable statement credit. Cash back rewards have no cash value.\nMerchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in\naccordance with the applicable credit card network\xe2\x80\x99s procedures based on the kinds of products and services they primarily sell. We have no control\nover merchant codes. Please note:\n\xef\x82\xb7 We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or\nsome of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that\ncategory. When this occurs, purchases with that merchant won\xe2\x80\x99t qualify for cash back rewards on purchases in that category, but will\ninstead qualify for the 1% cash back rewards on all other purchases category.\n\xef\x82\xb7 Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an\neligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one\nlocation may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases\nfrom the same merchant at a different location may result in no cash back rewards.\n\xef\x82\xb7 Purchases submitted by you, an authorized user through third-party payment accounts, mobile or wireless card readers, online or mobile\ndigital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process the purchase\nin that cash back rewards category.\nProgram Restrictions: You will receive an automatic cash back rewards credit on each statement with at least one Net Eligible Purchase.\nAutomatic statement credits for cash back rewards reduce the balance on your Account but will not count as payments. You will still be required to\npay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for purchases\nmade while your Account is in default as defined in your Card Agreement. This Program does not apply to Accounts already enrolled in a different\nCredit One Bank rewards program.\nChanges: The Program, including without limitation, eligible purchases, may be changed (added to, modified or deleted) by us at any time without\nnotice. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards.\n10\n\n\x0cTermination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will\nevaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program\nRestrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a\nstatement credit.\nLimited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a\nclaim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by\nany occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your\nresponsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your\nAccount. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash\nback rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively,\nby federal, state or local law.\n\nAll WWE trademarks, logos and copyrights are the exclusive property of WWE and its subsidiaries.\n\xc2\xa9 2021 Credit One Bank, N.A. All rights reserved.\nCredit One\xc2\xae, Credit One Bank\xc2\xae, and corresponding logos are federally registered trademarks.\nBack to Top\n\n11\n\nC50-01716 04/21\n\nD281\n\n\x0cCARD AGREEMENT\n\nD282\n\nPricing Summary\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE RATE\n(APR) for Purchases\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Balance Transfers\n\n23.99%\n\nANNUAL PERCENTAGE RATE\n(APR) for Cash Advances\n\n23.99%\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you any interest\non Purchases if you pay your entire balance by the due date each month. We will begin charging interest\non Cash Advances and Balance Transfers from the posting date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$75 for the first year. After that $99 annually ($8.25 per month).\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 8% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $5 or 8% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\nEither $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $39*\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $39**\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new Purchases).\xe2\x80\x9d See your Card Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.\nAuthorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce\nthe amount of your available credit.\n*Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently\nthe fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed\n1\n\n\x0cthe related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late\nPayment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your\nstatement.\n**Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D).\nIf a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account.\nCurrently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will\nnot exceed the related Minimum Payment that was due.\nAdditional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This\ncorresponds to a monthly periodic rate of 1.99917%.\nMinimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of:\n\xef\x82\xb7 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater;\n\xef\x82\xb7 any Late Payment Fee for the current billing cycle;\n\xef\x82\xb7 and any Past Due Amount (excluding any past due Late Payment Fees).\n\nThe Agreement\n\nThis Agreement, together with the Pricing Summary, is your contract with us.\nAccepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the\nCard, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card\nCenter, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See\n\xe2\x80\x9cHow to REJECT this agreement to arbitrate\xe2\x80\x9d in the Arbitration section. If you
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