Agreement for U.S. Bank National Association  
Investment Equity Line of Credit Accounts 
This line of credit program is administered by U.S. Bank National Association. This information is accurate as of  March 
31, 2016.  PLEASE NOTE that this information is provided for general information purposes only and is not specific to 
your Account.  See the Agreement that was provided for your Account and Card for more detailed information, including 
contact information. 

PRICING INFORMATION: Actual pricing will vary from one Borrower to another. 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases, Balance Transfers, 
and Advances 

Paying Interest 

Penalty APR and When It Applies 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Set-up and Maintenance Fees 
•  Annual Membership Fee 
•  Enrollment Fee 

Prime +0.00% to Prime +1.50%  
This APR will vary with the market based on the Prime 
Rate.  

Your due date is 24-30 days after the close of each billing 
cycle.  There is no interest-free period. 
Not Applicable 
To learn more about factors to consider when applying for 
or using a credit card, visit the website of the Consumer 
Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

$20 
$25 (one-time fee) 

Transaction Fees 
•  Balance Transfer and 

Convenience Check Advance 

NONE 

•  Cash Advance ATM  

•  Cash Equivalent Advance 

•  Foreign Transaction 

2% of the amount of each advance or a $1.50 minimum, 
whichever is greater (maximum fee: $10) 
4% of the amount of each advance or a $10.00 minimum 
whichever is greater (maximum fee: no maximum)  
2% of each foreign purchase transaction or foreign ATM 
advance transaction in U.S. Dollars. 
3% for foreign purchase transaction or foreign ATM 
advance transaction in a Foreign Currency. 

Penalty Fees 
•  Late Payment 
•  Returned Payment 
•  Overlimit 

Up to $37 
Up to $35 
NONE 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  
See your account agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INVESTMENT EQUITY LINE OF CREDIT  
PROMISSORY NOTE AND PLEDGE AGREEMENT 

This is an agreement and disclosure statement (“Agreement”) between you and U.S. Bank National Association 
containing the terms that will apply to your Investment Equity Line of Credit Account (“Account”). In this Agreement “you”, 
“your”, and “Borrower” means each individual accepting a solicitation or applying for the Account or otherwise agreeing to 
be liable for the Account. “We”, “us”, “our”, and “Bank” means U.S. Bank National Association, the Account creditor and 
issuer of the Access Card. Please read this Agreement carefully and keep it in a safe place to make the best use of the 
Account and the credit card we issue with this Account (“Access Card”). This Agreement becomes effective as soon as 
you or someone authorized by you uses the Account or Access Card, but no later than 30 calendar days after we issue 
and you fail to return the Access Card. In addition to this Agreement, there are also relevant Account disclosures on your 
card carrier. 

You may not access your Account until the Transfer Agent confirms that a hold has been placed on sufficient 
Stock to secure your Account. 

This Agreement contains an arbitration provision (including a class action arbitration waiver). It is important that 
you read the entire Arbitration Provision section carefully. 

DEFINED TERMS USED IN THIS AGREEMENT 

As used in this Agreement, the following terms shall have the following respective meanings: 

“Additional Collateral” shall mean all stock, other securities, cash, and anything else that is exchanged for any Stock 
or other Additional Collateral, or is issued or paid to shareholders of Stock or any other Additional Collateral, 
because of an acquisition, merger, spin off, stock split, or any other reason. Normal cash dividends are not included 
in "Additional Collateral". 
“Collateral” shall mean the Stock and Additional Collateral. 
“Held Collateral” shall mean all Stock and Additional Collateral on which the Transfer Agent has placed a hold. See 
the COLLATERAL HOLDS section below. 
"Investment Equity Line Checks" shall mean checks used to access your Investment Equity Line of Credit Account. 
“Owner” shall mean each individual who owns the Stock. 
“Stock” shall mean the stock described in the COLLATERAL HOLDS section below whether or not a hold has been 
placed on such stock. 
“Stock Account” shall mean any stock plan account or accounts described in the COLLATERAL HOLDS section 
below.  
“Transfer Agent” shall mean Computershare Inc, U.S. Bank National Association or any replacement administrator of 
the Stock Account(s) that is approved in writing by Bank.  

PLEDGE AND SECURITY 

STOCK COLLATERAL: The Owner(s) pledges all Collateral (which means Stock and Additional Collateral) now or later 
in the Stock Account(s). The pledge protects Bank if the Borrower(s) does not make all the payments the Borrower(s) 
owes. The pledge covers all the amounts the Borrower(s) owes Bank now or later, even if the Credit Limit is increased. 
The Owner(s) understands all the Collateral in the Stock Account(s) is pledged to Bank, even though there may be a hold 
on only some of the shares. The Owner(s) may sell any shares on which a hold has not been placed. The Owner(s) gives 
up any exemption on the Collateral. The “exemption” is a legal protection against creditors. You do not pledge anything 
you buy with any Investment Equity Line of Credit loan. The Owner(s) agrees that the Transfer Agent may give Bank 
information about the Collateral and the Stock Account(s). The Owner(s) guarantees that no Owner(s) is an insider of a 
company that issues any of the Collateral. If an Owner becomes an insider, the Owner(s) agrees to notify Bank. Bank can 
then cancel your Account immediately.  

COLLATERAL HOLDS: Bank will tell the Transfer Agent to put a hold on a specific number of shares of Stock of an 
eligible participating company in a stock account held at the Transfer Agent. All Stock and Additional Collateral on which 
the Transfer Agent has put a hold is called “Held Collateral.” The collateral for the line of credit is held at a percentage of 
the value of stock shares based on the limit available to you. The Collateral is held at this limit to value based on the stock 
value at the time of the Agreement. The Transfer Agent shall also put a hold on all Additional Collateral that is issued or 
paid in exchange for any Collateral (including Stock) on which a hold has been placed at any time. The Transfer Agent 
shall also put a hold on all Additional Collateral that is issued on Account of any Collateral on which a hold has been 
placed at any time. That means that the Transfer Agent will not let the Owner(s) sell or withdraw any Held Collateral 
without Bank’s permission. The Owner(s) agrees that Bank may give the Transfer Agent any orders about any Held 
Collateral. Bank may also give the Transfer Agent any orders about dividends and other payments on any Held Collateral. 
Bank may also tell the Transfer Agent not to change the Owner(s) on the Stock Account(s). Pursuant to an existing 
Agreement between Bank and Transfer Agent, the Transfer Agent will follow Bank's instructions without obtaining Owner's 
permission. For example, Bank may order the Transfer Agent to sell any Held Collateral and pay Bank the money. Bank 

 
 
 
 
 
 
 
 
 
 
 
 
agrees not to give such orders unless you are in Default. Bank does not have to sell any Held Collateral even if the price 
of the Held Collateral is falling. No one else, not even the Owner(s) can give the Transfer Agent orders about any Held 
Collateral. If the Stock price has decreased, including as a result of a Stock split or exchange or the Borrower(s) is in 
Default, then Bank may decide it needs a hold on Additional Stock Collateral to protect Bank on the Borrower’s 
Investment Equity Line of Credit Account. Then Bank can tell the Transfer Agent to put a hold on Additional Stock 
Collateral without telling the Owner(s). If there is more than one Stock Account, Bank may choose which shares of Stock 
and Additional Collateral to sell or place a hold on. Bank will release the Held Collateral hold within ten days after the 
Borrower’s Account is terminated and all amounts owed have been paid. There may be some further delay in releasing 
the shares unless the final payments have been made in U.S. Dollars with checks or similar payment instruments drawn 
on a financial institution. Also, if the Credit Limit is increased, decreased or re-evaluated collateral at the Borrower(s)’ 
request, Bank may increase or decrease the number of shares held based on current Stock value.  

ACCOUNT FEATURES AND USE OF THE ACCOUNT 

Personal Use: You may use the Account only for personal, family or household purposes.  Federal or state consumer 
protection laws may not apply if you use the Account for other than personal, family or household purposes. 

Expanded Account Access: Any Access Card or PIN issued to or selected by you under this Agreement will access 
multiple checking, savings, line of credit and credit card accounts in your name at Bank or any of its bank affiliates, and 
any Account opened under this Agreement may be accessed by any card(s) or PIN(s) that you have selected or that have 
been issued to you or may in the future be selected by you or issued to you by Bank or any of its bank affiliates. 
“Expanded Account Access” means use of a card or account number and PIN to conduct a transaction or obtain 
information at ATMs or via telephone, personal computer banking, or other available method. There are no additional fees 
or charges for Expanded Account Access. The fees and terms disclosed for each individual Account apply. Expanded 
Account Access may be available for up to five checking, five savings, and five lines of credit or credit card Accounts and 
that at other ATMs or with other methods of access, and that other access limitations may apply. Call Cardmember 
Service at 1-888-852-5786, (Fax 1-866-568-7729 or TDD 1-800-846-2580) to cancel Expanded Account Access, allowing 
a reasonable time for cancellation to become effective. Canceling the service for this Account will cancel your ability to 
use Expanded Account Access by all of your other accounts. 

Purchases: You may use the Account to buy, lease or otherwise obtain goods or services from participating merchants 
(including transactions you initiate by mail, telephone or over the Internet), or take advantage of special promotional 
Balance Transfer offers that post as Purchase transactions (“Purchases”). We will, in connection with any promotional 
offer we make from time to time, provide information on your Access Card carrier or in additional materials (the “Offer 
Materials”) that explain whether those transactions will post and be treated as a Purchase. Even if you have not signed a 
sales draft or the merchant  has not supplied you with a written receipt or other proof of sale, you are responsible for all 
Purchases made through your Account, except as expressly limited by applicable law (see “Your Billing Rights” section 
below for more details). 

Advances: “Advances” are transactions other than Purchases that allow you direct access to funds available through your 
Account. Advances may include Account transactions such as cash advances you obtain directly from us, automated 
teller machines (“ATMs”) or other participating financial institutions (“Cash Advances”). ATM and financial institution 
Advances include phone (automated phone system and 24 hour customer service assisted) and Internet transfers.  
Advances also include some Balance Transfers, Convenience Checks, Fast Cash, Overdraft Protection Advances and 
Cash Equivalent Advances. “Cash Equivalent Advances” include transactions to acquire or initiate wire transfers, travelers 
checks, cashier’s checks, money orders, foreign cash transactions, casino gaming and betting transactions and lottery 
tickets.  Monthly Account statements we issue may refer to Advances as an Advance, Cash and Cash Advances or by the 
product or device you used to obtain an Advance. Refer to the Advance Account Fees section for details on Advance 
Transaction Fees. 

Advance Limits: Only a portion of the Credit Limit (defined below) is available for Advances and that portion may vary 
from time to time. Although you may have credit available under your Account, we may be unable to authorize an 
Advance. You may contact Cardmember Service at 1-888-852-5786, (Fax 1-866-568-7729 or TDD 1-800-846-2580) to 
learn the portion of your Credit Limit which is available for Advances. 

Checks Issued on the Account: We will supply Investment Equity Line Checks and Convenience Checks for use by the 
person(s) or drawer named on those checks (collectively, “Checks”). These Checks are drafts that look like other checks, 
but are drawn on credit available in the Account. Checks must be written in U.S. Dollars. We will honor a properly signed 
Check provided your Account has available credit to cover the amount of the Check. Investment Equity Line Checks are 
not subject to Advance fees. From time to time, we may supply you with Convenience Checks. We will, in connection with 
any Convenience Check we provide, include Offer Materials that will explain whether the Convenience Check will post 
and be treated as an Advance or as a Balance Transfer. 
We may return a Check unpaid if:  
(a) the credit available under your Credit Limit is less than the Check amount;  
(b) the Account is in Default; or  
(c) the Check is improperly endorsed or otherwise fails to conform to our regularly accepted standards for check payment.  
If your checks have been reported as lost or stolen, you will have to obtain checks with a new Account number (See the 
Lost or Stolen Access Cards or Other Information section). Checks may not be used to pay your Account or any obligation 
you owe us or our affiliates.     

 
 
 
 
 
 
 
 
Paying and Stopping Payment on Checks: You must use the number and address provided in the Lost or Stolen 
Access Cards or Other Information section to request that payment be stopped on an Investment Equity Line Check. You 
must call us promptly with an oral stop payment request and then provide us with a written confirmation of the stop 
payment request within 14 calendar days. Any written stop payment request we receive will remain in effect for 6 months, 
unless you renew the request in writing before the end of that time. We may pay Checks more than 6 months old. There 
may be circumstances under which a Check must be paid, even if we have received a stop payment request from you. 
We will not be liable to you if we do not honor your stop payment request under those circumstances. If it is determined 
that a Check should have been paid, but was not, we will not be liable for any consequential, punitive or incidental 
damages if we acted in good faith. Our only obligation under those circumstances will be to pay the designated payee the 
amount of the check and cancel any charges assessed against your Account as a result of any wrongful failure to honor 
the Check. 

Balance Transfers: We may permit you to transfer balances and obligations that you owe other companies or financial 
institutions to your Account, subject to the terms and conditions disclosed in the Offer Materials (“Balance Transfers”). 
Balance Transfers will post to your Account and be separately reflected on monthly Account statements as a Balance 
Transfer, or depending upon the offer, may post to the Account and be treated as a Purchase or an Advance. We will, in 
connection with any Balance Transfer offer we make, provide you with materials that explain how the Balance Transfer 
will post to your Account and be reflected on monthly Account statements.  You may not request Balance Transfers on 
existing obligations you owe us or our affiliates. If you request a Balance Transfer that would cause your Account to 
exceed its Credit Limit, we may, at our option (a) post the entire Balance Transfer requested to your Account and assess 
an Overlimit Fee, (b) post only a portion of the Balance Transfer requested to your Account up to the amount of credit 
available under the Credit Limit, or (c) refuse to process the entire amount of the Balance Transfer requested. 

U.S. Bank Overdraft Protection Privileges: This section is part of the Agreement only if you have specifically requested 
and have obtained an Overdraft Protection Plan by linking the Account with a designated U.S. Bank personal checking 
account ("checking account"). An "Overdraft Protection Advance" is an advance of funds to your designated checking 
account from this Account that will help cover overdrafts on your checking account. Any Overdraft Protection Advance will 
post and be charged interest as an Advance drawn on the Account. Please refer to the U.S. Bank Deposit Account 
Agreement (entitled, "Your Deposit Account Agreement") for full Overdraft Protection Plan terms and the Consumer 
Pricing Information Brochure for fees that apply for Overdraft Protection Advances. We may cancel Overdraft Protection 
privileges under the Account, even if the Account remains open for other purposes.  

INTEREST CHARGES AND ACCOUNT FEES 

Account INTEREST CHARGES. INTEREST CHARGES reflect the cost of credit. Your total INTEREST CHARGE for any 
billing cycle will equal the amount of any (a) periodic rate INTEREST CHARGE (sometimes referred to as “interest” in this 
Agreement and on monthly Account statements), (b) Advance Transaction Fees, and (c) any other transaction fees that 
are considered INTERST CHARGES. 

Interest Rate: In this Agreement, we have abbreviated the terms “daily periodic rate” as DPR, “average daily balance” 
as ADB, and “ANNUAL PERCENTAGE RATE” as APR. 

Your variable APRs are calculated by adding a margin to the Index. Your Variable DPR is equal to 1/365th of the 
corresponding APR. Your DPR and corresponding APR may increase or decrease from time to time according to the 
movements up or down of the Index, which is the Prime Rate published in the “Money Rates” section of the Midwest 
Edition of The Wall Street Journal on the last publication day before the date on which the billing cycle closed (in other 
words, the “statement date”). We reserve the right to choose a comparable new index if The Wall Street Journal ceases to 
publish a Prime Rate. The margin is the percentage we add to the Index to calculate APR.  The current applied Index 
value for your Account is 3.50%.  Any variable rate adjustment based on a change to your margin will be effective as of 
the first day of the current billing cycle, and will apply to the new Account balances and transactions subject to that 
variable rate. Purchases and Balance Transfer transactions have no minimum rate. There is no maximum rate. Advance 
transactions have no minimum rate. There is no maximum rate.  

Introductory and Promotional Rates: We may, at our option, offer you for a limited time introductory or promotional 
interest rates for all or part of new Purchase, Advance, or Balance Transfers posted to your Account. We will tell you in 
the Offer Materials the introductory or promotional rate and the period of time during which that rate will be in effect and 
any conditions or requirements of the offer. Unless the Offer Materials state otherwise, an introductory or promotional rate 
will remain in effect until the last day of the billing cycle in which the introductory or promotional rate expires. Any 
introductory or promotional rate that applies to new or outstanding Account balances will increase to the standard rate that 
would otherwise apply, or, when appropriate under the terms of this Agreement, a Penalty Rate due to an Adjustment 
Event (as indicated above).   

INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate. We calculate the periodic rate or 
interest portion of the Interest Charge by multiplying the applicable DPR by the ADB (including new transactions) of the 
Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest 
from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories.  
To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide 
the result by the number of days in the billing cycle. We determine the daily balances each day by taking the beginning 
balance of those Account categories (including any billed but unpaid interest, fees, credit insurance charges and other 

 
 
 
 
 
 
 
 
 
charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against your 
Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for those 
categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on 
Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on 
the statement date. Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on 
the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other 
charges are added to the Purchase balance of the Account on the date they are charged to the Account. Billed but unpaid 
fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the 
Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that 
accrues interest and will reduce the amount of credit available to you. Credit insurance charges are not included in the 
ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is 
charged to the Account. Prior statement balances subject to an interest-free period that have been paid on or before the 
payment due date in the current billing cycle are not included in the ADB calculation. There is a minimum INTEREST 
CHARGE of (no minimum) in any billing cycle in which an INTEREST CHARGE is due. As described above, this 
Agreement provides for the compounding of interest on your Account. 

Paying Interest: There is no interest-free period for transactions that post to the Account except as provided in any Offer 
Materials. Transactions are subject to interest from the date they post to the Account until the date they are paid in full. 

Advance Account Fees: You agree to pay the following Account fees and INTEREST CHARGES. 

We may add an Advance Transaction Fee INTEREST CHARGE to the Advance balance of the Account for each Advance 
you obtain during a billing cycle in addition to the interest that accrues on Advances. The Advance Transaction Fee 
imposed will equal the greater of either a percentage of either a percentage of each Advance or the minimum dollar 
amount, subject to the maximum dollar amount, shown in the table below. 

CASH RECEIVED FROM  MINIMUM 
Financial Institution 
Cash Equivalent 
ATM 
Balance Transfer 
Convenience Check 

No Minimum 
$10.00 
$1.50 
No Minimum 
No Minimum 

PERCENTAGE OF CASH FEE  MAXIMUM 
0.0000% 
4.0000% 
2.0000% 
0.0000% 
0.0000% 

No Maximum 
No Maximum 
$10.00 Maximum 
No Maximum 
No Maximum 

Account Fees:  
(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for each Promotional Discount you 
receive during the billing cycle, as outlined in any Offer Materials. 
(b) Annual Membership Fee. Each year, the Account will be subject to your payment in advance of an Annual 
Membership Fee of $20.00, which will compensate us for maintaining and servicing the Account for the following year. 
This fee will be charged to the Purchase balance of your Account. 
(c) Late Payment Fee. We will add a Late Payment Fee to the Purchase balance of the Account if your Minimum Payment 
is not received by the Payment Due Date shown on the monthly Account statement. The fee will be assessed as follows: 
The first time your payment is late, a late payment fee of up to $27.00 will be assessed. If another payment is late during 
the next 6 billing cycles, late payment fee of up to $37.00 will be assessed. 
(d) Enrollment Fee. We will add a one-time Enrollment Fee of $25.00 to the Purchase Balance of the Account on your first 
monthly Account statement. 
(e) Returned Payment Fee. We will add a Returned Payment Fee to the Purchase balance of the Account if any payment 
on the Account is not honored or if we must return it to you because it cannot be processed. A check that is returned 
unpaid will be sent for collection. The fee will be assessed as follows: the first time your payment is returned, a Returned 
Payment Fee of up to $25.00 will be assessed. If another payment is returned during the next 6 billing cycles, a Returned 
Payment Fee of up to $35.00 will be assessed.  
(f) Duplicate Documentation Fee. We will add a Duplicate Documentation Fee of $2.00 to the Purchase balance of the 
Account for each copy of monthly statements, sales slips, refund slips, or Advance slips that you request. There will be no 
charge if the copy proves a billing error; there will be no charge for documentation requests made in connection with a 
billing error notice, if our investigation indicates a billing error occurred. 
(g)  We may add a $10.00 service charge to the Purchase balance of the Account if you call us to make a payment on 
your Account and are assisted by a Cardmember Service Representative to make the payment. You will be provided with 
confirmation of the service charge before the payment transaction is authorized. 
 (h) Stop Payment Check Fee. We will add a Stop Payment Check Fee of $35.00 to the Purchase balance of the Account 
if you request a stop payment on an Investment Equity Line Check or a Convenience Check. (See “Paying and Stopping 
Payment on Checks” section for more details.) 
(i) Credit Limit Change Fee. We will add a Credit Limit Change Fee of $15.00 to the Purchase balance of the Account if 
you request a change to your Credit Limit on your Account and Bank agrees to such change request. 

 
 
 
 
 
 
 
 
 
 
IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

Credit Limit: Your Credit Limit is shown at the top of this Agreement and will appear on your monthly statements. The 
Account Credit Limit is the maximum amount of credit available and that you may owe under the Account at any time. You 
may not request or obtain additional Purchases, Advances, or Balance Transfers once you have reached your Credit 
Limit. We reserve the right to review your Account at any time and increase or decrease your Credit Limit.  You may not 
increase your Credit Limit by carrying credit balances over the Credit Limit we make available to you. We may lower your 
Credit Limit if your Collateral value decreases, in which case Bank will then send you a written notice of your new Credit 
Limit.  

Payments: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution 
located in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously 
established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a foreign 
financial institution. However, you will be charged and agree to pay any collection fees required in connection with such a 
transaction. The date you mail a payment is different than the date we receive that payment. For purposes of this 
Agreement, the payment date is the day we receive your check or money order at the address specified on your monthly 
Account statement or the day we receive your electronic or phone payment. All payments by check or money order 
accompanied by a payment coupon and received at the payment address designated in your billing statement will be 
credited to your Account on the day of receipt if received at the designated address by 5:00 p.m. CT on any banking day. 
Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 
5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without 
a payment coupon or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST 
CHARGES, fees, and possible suspension of your Account. Internet and telephone payment options are available, and 
crediting times vary (but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the 
payment is made). If you are making an internet or telephone payment, please contact Cardmember Service for times 
specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and 
federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on 
the day of receipt. 

Minimum Payment: Each month, you must pay at least the Minimum Payment and any past due Minimum Payment(s) by 
the Payment Due Date shown on your monthly Account statement. You may, at your option, pay more than the Minimum 
Payment. Your Minimum Payment will be calculated as follows: first we determine the “Base Minimum Payment”, which is 
the greater of $50 or 1.00% of your New Balance (not including items (1) and (2) below). To the Base Minimum Payment 
we may add one or more of the following items, as incurred on your Account: (1) any late, annual and/or Account related 
fee, (2) the INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of the balance amount over 
your Credit Limit. If the resulting Minimum Payment is greater than $50, the total is then rounded to the next highest 
dollar. Any Minimum Payment or additional amount you pay each month will not prepay any future Minimum Payments 
required, or change your obligation to make at least a Minimum Payment by the Payment Due Date.  

Payment Application: If we cannot collect on your check or other payment item you send us to pay on your Account, we 
may post as an Advance transaction an amount equal to the credit previously given to you for such check or payment item 
and we may charge interest on this amount from the date your Account originally was credited for the payment. After a 
payment has been made, we reserve the right to withhold available credit in the amount of the payment for 7 business 
days. Any credit available before the payment is made will continue to be available for use during this time. 

Skip Payment Option: We may, at our option, occasionally offer you an opportunity to skip your obligation to make the 
Minimum Payment due. You may not skip payments unless we make this offer to you. If we offer you an opportunity to 
skip a payment more than once in a 12 month period, you will not be permitted to skip payments required in consecutive 
months. You cannot accept a skip payment option if the Account is delinquent, or is in Default. When you take advantage 
of a skip payment option we offer, the interest will continue to accrue on the entire unpaid balance of your Account. 

Change of Address: Your monthly Account statements and notice about your Account will be sent to the address you 
provided in your application or your response to our Account solicitation.  To change your address, you must call us at 1-
888-852-5786, (FAX 1-866-568-7729, TDD 1-800-846-2580) or write to us at Cardmember Service, P.O. Box 6352, 
Fargo, ND 58125-6352. We must receive this information 21 days before the date a billing cycle closes to provide your 
monthly Account statement at your new address. If you have an address change within 45 days of the expiration date of 
your Access Card(s), please contact Cardmember Services at 1-888-852-5786 (FAX 1-866-568-7729, TDD 1-800-846-
2580) with your new address so your new Access Card(s) can be mailed to your new address. 

Authorized Users: You agree not to allow access to your Access Card, Account number, Investment Equity Line Checks, 
Convenience Checks, or personal identification number (PIN) to anyone else to use your Account, except by asking us to 
issue a card to grant Account access to another person. If you allow access to your Access Card or Account information, 
you will be liable for any charges made by that person, unless and except as expressly required by applicable law. You 
agree to be responsible for all Account transactions made by a Borrower, or anyone who you have authorized by (a) 
asking us to issue an Access Card to grant Account access to another person, (b) lending your Access Card to or allowing 
Account access by another person, or (c) any other way in which you would be legally considered to have allowed another 
person to use your Account or to be legally prevented from denying that you did so. Be cautious when allowing another 
person to become an authorized user of your Account; once you allow authority to any authorized user you cannot limit 
that authority unless the Account is closed to future transactions. You, as a primary or joint Borrower must call us at 1-
888-852-5786, (FAX 1-866-568-7729, TDD 1-800-846-2580) or write to us at Cardmember Service, PO Box 6352, Fargo, 

 
 
 
 
 
 
 
ND 58125-6352, with any request to cancel and remove a person’s authority. We will not provide any Account information 
to anyone other than you and any Authorized Users. Authorized Users have no right to make any Account changes. 

Lost Or Stolen Access Cards Or Other Information: You must notify us immediately by telephone at 1-888-852-5786, 
(FAX 1-866-568-7729, TDD 1-800-846-2580) or in writing at Cardmember Service, P.O. Box 6352, Fargo, ND 58125-
6352, if your Access Card, Investment Equity Line Checks, Convenience Checks or PIN are lost or stolen or there is 
possible unauthorized use of your Account, Access Card or PIN. You will not be liable for unauthorized use of the 
Account. If this happens, we will ask you and all other persons given Account access to return all Access Cards and 
unused Investment Equity Line Checks or Convenience Checks to us. In addition, we have the right to close your Account 
and open a new Account. If we do so, new Access Cards and new Investment Line Equity Checks or Convenience 
Checks will be issued for your new Account. If requested, we may issue a new PIN. 

Using your Access Card for International Transactions: You may use your Access Card for retail purchases at foreign 
merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or VISA logos. Some merchant 
and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign 
transactions under the applicable Visa rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE 
described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are 
classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect 
on the date of the transaction or the date of the posting of the transaction to your Account. 
If you use your Access Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the 
transaction will be processed through the Visa system and will be converted into U.S. dollars according to the applicable 
rules established by VISA from time to time.  Currently, the currency conversion rate used by Visa to determine the 
foreign currency transaction amount in U.S. Dollars is determined by the amount of the foreign currency transaction times 
(a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for 
the applicable central processing date. If your foreign transaction is in foreign currency prior to being processed by Visa, 
we will add a Foreign Transaction Fee INTEREST CHARGE of 3.00% of the Purchase transaction or 3.00% of the ATM 
transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a 
Foreign Transaction Fee INTEREST CHARGE of 2.00% of the Purchase transaction or 2.00% of the ATM transaction. 

If you use your Access Card at a merchant or an ATM that bears only the PLUS System logo (and no Visa logo), the 
charge will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate 
established, from time to time, by the operator of that ATM.  To the converted transaction we will not add a Foreign 
Transaction Fee INTEREST CHARGE. 

If you use your Access Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will 
determine whether to send your transaction over the Visa or PLUS System network using such network's respective 
currency conversion rules then in effect (as explained above).   

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

Responsibility to Pay: You agree to pay us for all Purchases, Advances, Balance Transfers, INTEREST CHARGES, 
Account Fees and charges, any other transaction charges as provided in this Agreement and, to the extent permitted 
under applicable law, attorneys’ fees and collection costs we incur enforcing this Agreement against you. This is the case 
even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more 
than one Borrower, each of you is responsible, together and separately, for the full amount owed on your Account. Your 
obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other 
document to which we are not a party, may direct another person responsible to pay the Account.  

Intent to Repay: Each time you use your Account, you represent to us that you intend to and have the ability to repay 
your Account obligations. We rely on this representation every time you use your Account. 

Settling a Disputed Balance; Payment in Full: If you want to settle a disagreement with us about any amount you owe 
by sending a check on which you have written “Payment in Full" or similar language, you must send us a written 
explanation of the disagreement or dispute and any such check to Cardmember Service, P.O. Box 6335 Fargo ND 58125-
6335 (See Your Billing Rights section below for complete details). This address is different than the address you use to 
make Account payments. Writing "Payment in Full" or similar language on the check will not be enough to resolve the 
dispute. If we collect a check or any payment instrument marked "Payment in Full" that you sent to an address other than 
the one provided in this section (such as the address at which you normally make payments), we will not have waived our 
right to collect any remaining amount you owe us under the terms of your Account. 

Default: You and your Account will be in default if: 
(a) the Transfer Agent (including any replacement administrator approved in writing by us) no longer administers the 
Stock Account(s), or no longer administers the Stock Account(s) in a way we believe properly protects our rights in the 
Collateral; or  
(b) your Credit Limit is greater than a specific percentage of the value of the shares in the Stock Account(s); or  
(c) we do not receive the Minimum Payment by the Payment Due Date disclosed on the monthly Account statement; or 
(d) you violate any other provision of this Agreement; or 
(e) you die without a surviving joint Borrower; or 
(f) you become insolvent, assign any property for the benefit of creditors, go into bankruptcy, receivership or anything 

 
 
 
 
 
 
 
 
 
similar; or 
(g) you have made false statements on your Account application or in the maintenance of your Account; or 
(h) we have any reason to believe that your Account is in danger of, or is being used for fraud; or 
(i) you are a married community property state resident and you or we receive a written termination notice of this 
Agreement from your spouse; or 
(j) your Account becomes inactive; or 
(k) anything happens that we believe in good faith materially increases the risk that you will not live up to your payment 
and other obligations under this Agreement; or 
(l) this is a joint Account and one of you notifies us that he or she wants the Account closed or will no longer be liable on 
the Account. 
(m) you and your Account will also be in Default if you make transactions which go over your Credit Limit. 

Illegal Purchases: You agree that you will not use or permit an Authorized User to use the Access Card or Account for 
any unlawful purpose, such as funding any account that is set up to facilitate online gambling. 

Restrictions: You agree not to use your Account to buy or refinance any Collateral. If your Account line is secured 
by margin Collateral, you agree not to use any of the funds we lend you under this Agreement to purchase or refinance 
the purchase of securities. 

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

Ownership of this Account; Governing Law: Your Access Card and any other Account access devices that we supply 
to you are our property and must be immediately returned to us or our designated agent or otherwise destroyed or 
surrendered as we instruct. We extend all Account credit to you in and from the state of Ohio, regardless of where you 
reside or use the Account.  If a dispute arises and you file a lawsuit against us, service of process must be made on us at 
the following address:  U.S. Bank National Association, 4325 17th Avenue SW, Fargo, ND 58103-3357. 

Changes to your Account: Account and Agreement terms are not guaranteed for any period of time; we may change the 
terms of your Agreement, including APRs and fees, in accordance with the applicable law and the terms of your 
Agreement. Your transactional experience with us may also cause a change, including an increase in the margin that is 
added to the index, an increase in fees or a decrease in the Credit Limit. Factors considered in determining the increased 
rate or Credit Limit decrease may include your general credit profile, existence, seriousness and timing of the defaults 
under any agreements that you have with us, and other indications of the Account usage and performance. We will give 
you written notice of any such change in the manner required by Ohio and federal law. Revised Account terms apply as of 
the effective date communicated in our notice to you unless the notice provides you with the right to opt out, and you do 
opt out, before the effective date. 

Cancellation of your Account: We may cancel your Account or suspend your ability to obtain Account credit 
immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by 
providing notice to you. You may cancel your Account by writing to us at Cardmember Service, Attn: IEL, P.O Box 6361, 
Fargo, ND 58125-6361. If you have questions about canceling your account notify us by telephone at Cardmember 
Services at 1-800-685-7680 (FAX 1-701-461-3020, TDD 1-800-846-2580). If this is a Joint Account, we will honor a 
request by either of you to cancel the Account. After your Account is cancelled, you will not be able to obtain additional 
Account credit, except that (a) the Account may continue to receive recurring charges for items and services until you 
contact and cancel delivery with the company providing the item or service, or (b) under certain circumstances if you use 
your Account for a transaction, the transaction may be posted to your Account. After your Account is cancelled, all 
amounts outstanding on your Account will be due and payable without notice or demand from us. You must cut all Access 
Cards, Investment Line Equity Checks and Convenience Checks in half and return them to us. If you do not pay the 
amount you owe under this Agreement, you will be liable for our collection costs including our reasonable attorneys’ fees 
and expenses of legal actions, to the extent permitted by applicable law. You may pay off the amount you owe by 
authorizing Bank to sell a sufficient amount of the Collateral to pay the balance due. However you must send a written 
authorization for Bank to sell the shares. The remaining shares will be released upon satisfaction of any outstanding 
balances owed. 

Our Rights if You Are in Default: If you are in Default, we will give you notice of your right to cure the Default as may be 
required by law. If you do not cure the Default within the time stated in the notice, we may declare the Account balance 
due and payable. You remain responsible for all amounts charged to your Account both before and after receipt of such 
notice. We may also use any other legal right we have. Except where prohibited we may charge any amount due against 
any of your deposit accounts that you have with us or our affiliates except for any balance resulting from your use of your 
Bank credit card. If you Default by exceeding your Credit Limit, the excess may be treated as an Advance; however, it 
must be repaid in full with your next regular payment unless other arrangements are made with us at the time. We may 
also sell the Collateral. 

Assignment of your Account to Another Creditor.  We may assign, sell or transfer your Account and amounts owed by 
you to another creditor at any time.  If we do, this Agreement will still be in effect unless and until amended, and any 
references made in this Agreement to “we”, “us”, or “our” will refer to the creditor to which we assigned, sold or transferred 
your Account or amounts owed under your Account.  You may not delegate your obligations and responsibilities to us to 
any third party without our express written consent. 

 
 
 
 
 
 
 
 
 
OUR LEGAL RIGHTS AND OBLIGATIONS 

Collecting Credit Information About You: You authorize us to make any credit, employment and investigative inquiries 
we feel are appropriate related to giving you credit or collecting amounts owed on your Account. You agree that a 
consumer credit report may be requested periodically from one or more reporting agencies (“Credit Bureaus”) and used in 
connection with your application and any update, renewal or extension of credit. We will provide information about you, 
your Account or your credit history to the Credit Bureaus and others who may properly receive that information. 

Credit Bureau Disputes: If you believe we inaccurately reported credit history information about you or your Account to a 
Credit Bureau, call us at 1-800-481-9057 or write to us at U.S. Bank National Association, Consumer Recovery 
Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO 63166-9801. 

Privacy Pledge and Disclosure of Account Information: A copy of our Privacy Pledge is included in this Agreement. 
You will also receive a copy at least once annually while you remain our customer. We also keep copies of our Privacy 
Pledge in financial institution offices and post it on our web site. Our Privacy Pledge describes how we collect, protect and 
use confidential financial information and other information about you and the circumstances in which we might share 
information about you with members of our corporate family and with unaffiliated third parties. Our Privacy Pledge also 
tells you how you can (a) limit the ways we share certain kinds of information about you and (b) request corrections to the 
information we maintain about you. 

Refusal to Honor Transactions: We and our agents are not responsible if anyone refuses to honor your Access Card, 
Investment Line Equity Check or Convenience Check, or if authorization for a particular transaction is not given. Although 
you may have credit available under your Account, we may be unable to authorize credit for a particular transaction. The 
number of transactions you make in one day may be limited, and the limit per day may vary. These restrictions are for 
security reasons, and as a result, we cannot explain the details of how this system works. If your Account is over the 
Credit Limit or delinquent, authorization of credit for transactions may be declined. We are not responsible for anything 
purchased with your Access Card, Investment Line Equity Check, or Convenience Check, except as expressly required by 
applicable law (See Your Billing Rights section below for more details). You must return goods you purchased with the 
Access Card or Account to the merchant and not to us. 

Third Party Offers: From time to time, third parties may provide you with benefits not related to the extension of Account 
credit. We are not liable for these features, services and enhancements, as they are the sole responsibility of the third 
party provider. We and/or a third party may add, change or delete entirely these benefits without notice or liability to you, 
to the extent permitted by applicable law. You agree to hold us harmless from any claims, actions or damages resulting 
from your use of any of these features, service or enhancements, where permitted by applicable law. 

Monitoring and Recording Communications: You understand and agree that we, and anyone acting on our behalf, 
may monitor and/or record any communications between you, or anyone acting on your behalf, and us, or anyone acting 
on our behalf, for quality control and other purposes. You also understand and agree that this monitoring or recording may 
be done without any further notice to you or anyone acting on your behalf. The communications that may be monitored or 
recorded include telephone calls, cellular or mobile phone calls, and any other communications in any form. 

Severability: If a court of competent jurisdiction finds any part of this Agreement illegal or unenforceable, the remaining 
portions of this Agreement will remain in effect as written after any such illegal or unenforceable portion is amended in 
conformance with applicable law or, if necessary, voided. 

Entire Agreement: This version of the Agreement replaces any previous versions of the Agreement. The Agreement, as 
modified by any change in terms we may deliver from time to time in accordance with applicable law, constitutes the entire 
agreement between you and us, and supersedes any prior negotiation, agreement, or understanding between you and us 
concerning the subject matter of this Agreement. 

Waiver: We do not give up our rights under this Agreement or applicable law when we fail to exercise or delay exercising 
those rights. Our failure or delay to exercise any right or remedy we have against you does not mean we waive that right. 

Arbitration Provision: 
(a) You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or 
controversy between you and us that arises from or relates to this Agreement or the Account and credit issued 
thereunder (individually and collectively, a "Claim"). This does not apply to any Claim in which the relief sought 
is within the jurisdictional limits of, and is filed in, a 
small claims court. If arbitration is chosen by any party, the following will apply: 

(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN 
COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, 
EXCEPT AS PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES. 
(2) Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of other 
persons who may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A 
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY GENERAL, 
PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. 
(3) The arbitration will be performed in accordance with this Arbitration Provision and the rules of the 
chosen arbitrator in effect when the Claim is filed.  

 
 
 
 
 
 
 
 
 
 
(4) The arbitrator's decision will generally be final and binding, except for the limited right of appeal provided 
by the Federal Arbitration Act. 
(5) Other rights that you would have if you went to court might also not be available in arbitration. 

(b) The party commencing the arbitration may select to use either JAMS or the American Arbitration Association 
("AAA") (or, if neither of these arbitration organizations will serve, then a comparable substitute arbitration 
organization agreed upon by the parties or, if the parties cannot agree, chosen by a court of competent 
jurisdiction). If JAMS is selected, the arbitration will be handled according to its Streamlined Arbitration Rules 
unless the Claim is for $250,000 or more, in which case its Comprehensive Arbitration Rules shall apply. If the 
AAA is selected, the arbitration will be handled according to its Commercial Arbitration Rules. You may obtain 
rules and forms for JAMS by contacting JAMS at 1-800-352-5267 or www.jamsadr.com and for the AAA by 
contacting the AAA at 1-800-778-7879 or www.adr.org. Any arbitration hearing that you attend will take place in 
the federal judicial district where you reside. At your request, we will advance your filing and hearing fees for any 
Claim you may file against us. If you prevail on your Claim, we will pay your arbitration costs and fees, other than 
attorney, expert, and witness fees and expenses. We will also pay any fees or expenses that applicable law 
requires us to pay.  The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration 
Act, 9 U.S.C. Sections 1 through 16, including but not limited to applicable statutes of limitation, and shall honor 
claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may be entered in any 
court having jurisdiction. 
(c) This Arbitration Provision shall survive repayment of your extension of credit and termination of your 
Account.  This Arbitration Provision shall be governed by federal law, including the Federal Arbitration Act, and 
by Ohio law, without regard to its internal conflict of law principles, to the extent such state law does not conflict 
with federal law or this Arbitration Provision. Notwithstanding any language of this Agreement to the contrary, 
should any portion of this Arbitration Provision be held invalid or unenforceable by a court or other body of 
competent jurisdiction, this entire Arbitration Provision shall be automatically terminated and all other provisions 
of this Agreement shall remain in full force and effect. 

Other U.S. Bank Relationships: Executive Officers.  If you are an Executive Officer of U.S. Bancorp, or any of its bank 
affiliates, the Bank reserves the right to demand payment at any time. 

Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement: 
If you think there is an error on your statement, call or write to us at: 

Cardmember Service 
P.O. Box 6335 
Fargo, ND  58125-6352 

If you wish to dispute a transaction over the phone, please call 1-888-852-5786 with the information listed below. Most 
inquiries or disputes can be corrected over the phone, but doing so does not preserve your rights. 

In your letter or call, give us the following information: 

• 
• 

Account Information: Your name and Account number. 
Dollar Amount: The dollar amount of the suspected error. 
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. 
You must contact us: 

•  Within 60 days after the error appeared on your statement. 
• 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 
amount you think is wrong. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 

1.  Within 30 days of receiving your letter or call, we must tell you that we received your letter or call. We will also 

tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter or call, we must either correct the error or explain to you why we believe 

the bill is correct. While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 

The charge in question may remain on your statement, and we may continue to charge you interest on that 
amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•  We can apply any unpaid amount against your Credit Limit. 

After We Finish Our Investigation, One of Two Things Will Happen: 

• 

• 

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. 
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 a 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 think you owe. If 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, we cannot report you as delinquent without reporting that you are questioning your bill. We must tell you the 
name of anyone to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. 

If we do not follow any of the rules above, you do not have to pay the first $50 of the amount you question even if your bill 
is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases: 
If you are dissatisfied with the goods or services that you have purchased with your Access Card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, 

and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, or if we own the company that sold you the goods or 
services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from and ATM or 

with a check that accesses your credit card Account do not qualify. 

3.  You must not have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

Cardmember Service 
P.O. Box 6335 
Fargo, ND 58125-6335 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
delinquent. 

SPECIAL RULES FOR VISA ACCESS CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH 
INVESTMENT EQUITY LINE CHECKS. 

For Payments 

For General 
Inquires and 
Lost/Stolen  
Card Reports 

U.S. Bank National Association 
P.O Box 790408 
St. Louis, MO 63179-0408 

U.S. Bank National Association 
c/o Cardmember Service 
P.O Box 6352 
Fargo, ND 58125-6352 
Phone: 1-888-852-5786 
TDD: 1-800-846-2580 
Fax: 1-866-568-7729 

U.S. Bank National Association 
U.S. Bank Credit Department 
Attention; Investment Equity Line (IEL) 
P.O Box 6361 

For Credit,  
Close and  
Stock Sale 
Requests  
Submit                    Fargo, ND 58125-6361 
Phone; 1-800-685-7680 
In Writing; 
TDD: 1-800-846-2580 
Fax: 1-701-461-3020 

  Rev. 10/13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                                                                                
 
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