ACCOUNT OPENING DISCLOSURES AND GEM ACCOUNT BY ZALE DELAWARE, INC. ACCOUNT AGREEMENT 

[Rev 0614]  

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

29.99% 

How to Avoid Paying 
Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you  any  interest  on  Purchases  if  you  pay  your  entire  balance  by  the  due  date  each 
month. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

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. 

Fees 

Annual Fee 

Penalty Fees 

None 

Late Payment 
• 
•  Returned Payment 

Up to $35. 
Up to $35. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)." 
See your account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below in 
your account agreement. New York residents may contact the New York State Banking Department (1-800-518-8866) to 
obtain a comparative list of credit card rates, fees and grace periods. 
Deferred Interest Promotional Terms: From time to time, as a GEM ACCOUNT by Zale Delaware, Inc. Account holder, 
you may be eligible for the following deferred interest promotions: 
NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS. If the balance is not paid in full in 6 months or if you fail to make 
two consecutive Minimum Payments by the due date, interest will be imposed from the date of purchase at a rate of 
29.99%. Minimum payments required. 
NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS. If the balance is not paid in full in 12 months or if you fail to make 
two consecutive Minimum Payments by the due date, interest will be imposed from the date of purchase at a rate of 
29.99%. Minimum payments required. 
Your Account is valid only at participating stores. For a list of participating stores, please call us at 
1-888-999-6676. 

GEM ACCOUNT BY ZALE DELAWARE, INC. ACCOUNT AGREEMENT 
NONNEGOTIABLE CONSUMER NOTE 
RETAIL INSTALMENT CREDIT AGREEMENT (Open-End) 

This  Account  Agreement ("Agreement") is our contract with you.     Please read it carefully.      By  using this  Ac 
you  are  agreeing  to  all  of  the  terms  and  conditions  in  this  Agreement.  The  Agreement  becomes  effective  when 
provide the federal Truth in Lending Disclosures (see above), you use the Account, and we extend credit to you 
for that transaction. 

Definitions.  In  this  Agreement,  the  words  "you"  and  "your"  mean  each  person  who  applied  for  this  Account  and 
obligated under this Agreement or benefits from the use of the Account, the terms of which are set forth in this Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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The words "we," "us," and "our" mean Mid America Bank & Trust Company ("MAB&T"), Dixon, Missouri or its servicer for 
this  Account,  Santander  Consumer  USA  Inc.  ("SCUSA").  The  word  "Retailer"  refers  to  GEM  ACCOUNT  by  Zale  Delawa 
Inc..       The word "Account" means the line of credit established and governed by this Agreement. 
Promise  To  Pay. 
In  return  for  extending  credit  to  you  on  this  Account  from  time  to  time,  you  agree  to  pay  us  at 
address  shown  on  your  monthly  billing  statement  ("Statement")  for  all  advances  we  make  on  your  behalf  and  at  your 
request to finance  the  purchase of goods and services from Retailer. In  addition to promising to repay the  amounts  you 
charge to this Account, you also agree to repay interest charges and other fees, according to the terms of this Agreement. 
Account. Your Account is an unsecured line of credit. We will assign a credit limit ("Credit Limit") to your Account, and we 
may  increase  or  decrease  that  credit  limit  from  time  to  time,  or  restrict  or  terminate  your  access  to  credit  at  any  time, 
subject to any notice required by applicable law. You agree to use your Account only to request purchases of goods and 
services  on  credit  ("Purchases")  from  time  to  time  in  accordance  with  the  terms  of  this  Agreement.  Any  Purchases  you 
make  will  reduce  the  amount  of  your  Credit  Limit  available  to  you  by  the  amount  of  the  purchase.  As  you  repay  those 
amounts, your available Credit Limit will be restored. There may be a delay in restoring available credit until all payments 
have  cleared  and  we  have  received  funds  from  your  bank.  If  we  allow  you  to  make  purchases  that  exceed  your  Credit 
Limit,  you promise to repay the amount that exceeds  your Credit Limit immediately  upon demand.  Your Account is valid 
only at participating stores. For a list of participating stores, please call us at 1-888-999-6676. 
Interest. We will charge interest on your Account at a daily periodic rate of 0.08216%. This is equivalent to an  ANNUAL 
PERCENTAGE RATE of 29.99%. 
How We Will Calculate Your Balance. Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on Purchases if you pay your entire balance (less any Deferred Interest Balance indicated on your 
Statement) by the due date each month. If you do not pay your entire balance (less any Deferred Interest Balance) in full 
prior  to  the  due  date,  we  figure  the  interest  charge  on  your  account  by  applying  the  periodic  rate  to  the  "average  daily 
balance" of  your account.  To get the "average daily  balance",  we take the beginning  balance  of  your account  each  day, 
add  any  new  purchases  and  fees,  subtract  any  Deferred  Interest  Balance,  and  subtract  any  payments  or  credits.  This 
gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of 
days in the billing cycle. This gives us the "average daily balance". Any negative daily balance will be treated as zero. Any 
portion of a balance that is repaid while subject to a grace period for interest charges is excluded from the daily balance 
and will not incur interest charges. For Deferred Interest Balances, we figure the deferred interest charge on each Deferred 
Interest Balance by applying the periodic rate to the "average daily balance" of each Deferred Interest Balance. To get the 
"average daily balance" we take the beginning balance of each Deferred Interest Balance, and subtract any payments or 
credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by 
the  number  of  days  in  the  billing  cycle.  This  gives  us  the  "average  daily  balance".  You  authorize  us  to  round  any 
calculation  used  to  determine  interest  charges  and  deferred  interest  charges,  including  rounding  that  may  cause  minor 
variations in our favor. The "daily periodic rate" is stated above. For any cycle in which you are charged an interest charge, 
you agree to pay a minimum interest charge of at least $1. 
Deferred  Interest  Promotions.  From  time  to  time,  after  you  enter  into  this  Agreement,  we  may  offer  deferred  interest 
promotional terms for qualifying Purchases. These Purchases will be shown as Deferred Interest Balances on your Billing 
Statement.  For  Deferred  Interest  Balances,  there  are  no  Interest  Charges  if  you  repay  the  full  balance  before  the 
promotional  expiration date shown on  your billing statement and pay  your Minimum Payment Due by the due date each 
month. Deferred interest promotional terms will end on the promotional expiration date or, to the extent permitted by law, if 
you fail to make two consecutive Minimum Payments Due by the due date. If you do not pay the Deferred Interest Balance 
in full before the deferred interest promotional terms end, we will impose Interest Charges from the date of purchase at the 
Annual Percentage Rate (APR) for Purchases, and will transfer the respective balance and any deferred interest to  your 
regular balance. 
Periodic Billing Statements. We will make available to  you a periodic billing statement at the end of each billing cycle. 
The  periodic  billing  statement  will  show  your  Account  balance  at  the  end  of  the  billing  cycle  reflected  in  the  statement 
("New  Balance"),  your  Minimum  Payment  Due  and  other  Account  information.  Unless  you  notify  us  of  a  billing  error  as 
provided  in  "Your  Billing  Rights"  below,  you  accept  your  periodic  billing  statement  as  an  accurate  statement  of  your 
Account. There will be at least 25 calendar days between billing statements. The periodic billing statement we send to you 
each month will help you keep track of promotional balances, and when the promotion periods are ending. 
Minimum  Payment  Due.  For  each  billing  cycle,  you  agree  to  pay  at  least  the  Minimum  Payment  Due  shown  on  your 
Statement by the indicated due date ("Payment Due Date"). Your Minimum Payment Due will be the greater of: (a) $25 or 
(b)  any  past  due  amounts,  plus  fees,  plus  accrued  and  unpaid  interest  charges,  plus  1%  of  the  New  Balance  (less  any 
Deferred  Interest  Balance)  reflected  on  your  Statement,  plus  1%  of  any  Deferred  Interest  Balance  reflected  on  your 
Statement. Notwithstanding anything to the contrary, if the New Balance is less than $25, you agree to pay the entire New 
Balance. You may pay more frequently, pay more than the Minimum Payment Due, or pay your entire balance in full at any 
time  without  a  prepayment  penalty.  Paying  more  than  the  Minimum  Payment  Due,  however,  does  not  relieve  you  of  the 
obligation to make payments in subsequent billing periods. If you regularly pay more than the Minimum Payment Due, you 
will pay less in interest, and it may take less time for you to pay off your balance. Payments received by 5:00 p.m. CST (or 
CDT,  if  applicable)  at  the  address  shown  on  your  periodic  statement  will  be  credited  as  of  the  date  received.  Payments 
received  after  5:00  p.m.  will  be  credited  the  following  business  day.  If  a  Payment  Due  Date  is  scheduled  for  a  Sunday, 
legal holiday, or any other date on which we are not open for business or on which the United States Postal Service does 

 
 
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not deliver mail, then we will credit any payment received on our next business day as if it were received on the scheduled 
Payment Due Date. 
Late Payment Fee. If you fail to pay at least the Minimum Payment Due by its Payment Due Date, you will incur a late fee. 
The late fee will be the lesser of $25 or the Minimum Payment Due. However, the fee will increase to the lesser of $35 or 
the Minimum Payment Due if you fail to make a payment when due within six billing cycles of any prior late payment. The 
late fee will never exceed the amount of the Minimum Payment Due for the payment in default. 
Returned Payment Fee. We may add a returned check fee for a returned payment. A returned payment is an electronic 
debit,  payment  check,  or  similar  payment  instrument,  which  is  returned  unpaid.  We  may  add  this  fee  the  first  time  your 
payment  is  returned,  even  if  it  is  not  returned  upon  resubmission.  The  fee  will  be  the  lesser  of  $25  or  the  Minimum 
Payment Due. However, the fee will increase to the lesser of $35 or the Minimum Payment Due for any additional returned 
payment  during  the  next  six  billing  cycles  after  a  returned  payment.  The  returned  payment  fee  will  never  exceed  the 
amount of the Minimum Payment Due immediately prior to the date on which the payment is returned unpaid. 
Annual Fee. You will be charged an annual fee of $0. 
Application  of  Payments.  We  may  apply  payments  in  the  order  we  choose,  subject  to  any  limitations  imposed  under 
applicable law. However, for the final two billing cycles during which there is any Deferred Interest Balance, any payments 
in excess of the Minimum Payment Due are applied to the Deferred Interest Balance first. 
Unauthorized  Account  Usage.  If  you  notice  the  theft  of  your  Account  number  or  a  possible  unauthorized  use  of  your 
Account, you should write to us immediately at: Credit Account Services, P.O. Box 650748, Dallas, Texas, 75265-0748, or 
call  us  at  1-888-999-6676.  You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you  notify  us.  You  may, 
however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. 
Default.  You  will  be  in  default  under  this  Agreement  if:  (a) We fail  to  receive  a  Minimum  Payment  Due  on  the  Payment 
Due Date; (b) You fail to timely comply with or perform any other obligation under this Agreement; (c) Any representation 
or  warranty  made  by  you  to  us  is  false  or  misleading;  (d)  You  begin,  or  if  any  other  person  puts  you  in,  a  bankruptcy, 
insolvency or receivership proceeding; or (e) You die. 
Our Rights in the Event of Default. If you are in default under this Agreement, we may, at our option and as permitted by 
law do any one or more of the following: (i) declare your entire Account balance immediately due and payable and proceed 
to collect it; (ii) close your Account; (iii) exercise all other rights, powers, and remedies given by law; and (iv) recover from 
you all charges, costs and expenses, including all collection costs and reasonable attorney's fees incurred or paid by us in 
exercising any right, power or remedy provided by law or this Agreement. Interest will continue to accrue on the Account at 
the contract rate until it is paid in full. 
Cancellation.  We  may  cancel  your  Account  at  any  time  at  our  discretion.  If  we  cancel  the  Account,  you  will  remain 
obligated to repay any outstanding balance. You may cancel your Account at any time by notifying us in writing that you 
wish for your Account to be closed and by paying us the entire balance in full. 
Credit Investigation and Information. You authorize us to request and review your credit history by obtaining information 
from credit reporting agencies and others. 
Credit  Reporting.  You  agree  that  we  may  obtain  information  about  you  from  third  parties,  including,  but  not  limited  to, 
consumer  reporting  agencies  at  any  time  while  your  Account  is  open.  We may report information about your Account to 
credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. 
Amendments.  You agree that we may change any of the terms of this Agreement, including the amount and method of 
computing  the  interest  and  the  applicable  daily  periodic  rate,  at  any  time.  We  will  provide  you  with  prior  notice  of  such 
changes as and when required by law. To the extent that applicable law gives you the right to reject any particular change 
in terms, we will notify you of that right. If you have the right to reject any particular change, you may reject the change by 
notifying us of the rejection before the effective date of the change. If you opt-out, we, at our sole option, may choose to 
close your Account, and you can then pay the remaining balance on  your Account under the terms of the version of this 
Agreement in effect prior to the changes. To the extent not prohibited by applicable law, any change in terms will apply to 
the entire Account and any balances of your Account. 
Communication  about  this  Account. We may  contact  you  from  time  to  time  regarding  your  Account. We may  contact 
you in any manner we choose unless the law says that we cannot. 
General. You agree that if we grant any waiver, modification or other indulgence of any kind at any time, it shall apply only 
to the specific instance involved and will not act as a waiver, modification or indulgence for any other or future act, event or 
condition.  We  may  delay  enforcing  any  of  our  rights  under  this  Agreement  without  losing  them  in  accordance  with 
applicable law. Time is of the essence of this Agreement. This Agreement constitutes the entire Agreement between the 
parties  and  no  other  agreements,  representations  or  warranties  other  than  those  stated  herein  shall  be  binding  unless 
reduced to writing and signed by all parties. You may not assign this Agreement without our prior written consent. We may 
assign this Agreement without your consent. 
Governing Law. This  Agreement will be  construed, applied, and governed  by the federal  laws, and  to the extent 
not preempted by federal law, the laws of the State of Missouri, including, with respect to rates and fees, Mo. Rev. 
Stat. § 408.145. 
Arbitration. Except as otherwise stated below, if you or we so choose, any Claim (as defined below) will be resolved by 
binding  arbitration  pursuant  to  (a)  this  Arbitration  Provision  and  (b)  the  Code  of  Procedure  of  the  national  arbitration 
organization to which the Claim is referred (as in effect when the Claim is filed). Claims will be referred to either Judicial 

 
 
[Rev 0614]  

Arbitration  and  Mediation  Services  ("JAMS")  or  the  American  Arbitration  Association  ("AAA"),  as  selected  by  the  party 
electing to use arbitration. Streamlined arbitration procedures will be used if available. If a selection by us of one of these 
organizations is unacceptable to you, you have the right, within 30 days after you receive notice of our election, to select 
the other organization listed to serve as arbitration administrator. For purposes of this Arbitration Provision, "Claim" means 
any claim, dispute or controversy (whether in contract, tort, or otherwise), past, present or future, (collectively, "Claims") as 
further  described  below.  (If  for  any  reason  a  selected  organization  cannot,  will  not  or  ceases  to  serve  as  an  arbitration 
administrator,  you  or  we  may  substitute  another  widely  recognized  arbitration  organization  that  uses  a  similar  code  of 
procedure and is mutually acceptable to the parties.) 

Right To Reject Arbitration.  You may reject this Arbitration Provision. 

If you do so, neither you nor we 

Rejecting  this  Arbitration  Provision  will  have  no  effect  on  any  of  the 

have  the  right  to  engage  in  arbitration. 
To reject this Arbitration Provision, you must send us your written rejection, signed b 
provisions in this Agreement. 
persons obligated on the account, within 60 days after we open your Account, or 60 days after any change in terms that 
affects  this  Arbitration  Provision,  to:  Santander  Consumer  USA  Inc.,  Attn:  Legal  Department,  1601  Elm  St,  Suite  800, 
Dallas, TX 75201. In  your  letter,  you must give  us the following information: Name, Address and  Account  number. 
T 
right to reject granted here applies solely to this Arbitration Provision, and not to any other provision of this Agreement, or 
 In the event of a dispute over whether you have provided a timely rejection notice, 
to any other agreement with us. 
 Neither party may elect to arbitrate an individual Claim brought in small claims cou 
must provide proof of delivery. 
your state's equivalent court, if any).   
However, if a Claim that is brought in small claims court is transferred or appeal 
a different court, either party may elect arbitration. 

Significance of Arbitration; Limitations and Restrictions.  IF YOU OR WE CHOOSE TO RESOLVE A CLAIM BY 
BINDING ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY DECIDE 
THE CLAIM BEING ARBITRATED (ii) ENGAGE IN PRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO OBTAIN 
INFORMATION  FROM  THE  OTHER  PARTY)  TO  THE  SAME  EXTENT  THAT  YOU  OR  WE  COULD  IN  COURT,  (iii) 
PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF  ANY  CLASS  OF  CLAIMANTS  IN  A  CLASS  ACTION,  IN 
COURT  OR  IN  ARBITRATION,  RELATING  TO  ANY  CLAIM  SUBJECT  TO  ARBITRATION  OR  (iv)  JOIN  OR 
CONSOLIDATE  CLAIMS  OTHER  THAN  YOUR  OWN  OR  OUR  OWN.  OTHER  RIGHTS  AVAILABLE  IN  COURT  MAY 
NOT BE AVAILABLE IN ARBITRATION. Except as set forth below, the arbitrator's decision will be final and binding. Only a 
court  may  decide  the  validity  of  items  (iii)  and  (iv)  above.  If  a  court  holds  that  items  (iii)  or  (iv)  are  limited,  invalid  or 
unenforceable, then this entire Arbitration Provision will be null and void. You or we can appeal any such holding. If a court 
holds that any other part(s) of this Arbitration Provision (other than items (iii) and (iv)) are invalid, then the remaining parts 
of this Arbitration Provision will remain in force. An arbitrator will decide all other issues pertaining to arbitrability, validity, 
interpretation  and  enforceability  of  this  Arbitration  Provision.  The  decision  of  an arbitrator  is  as  enforceable  as  any  court 
order  and  may  be  subject  to  very  limited  review  by  a  court.  An  arbitrator  may  decide  a  Claim  upon  the  submission  of 
documents  alone,  or  a  party  may  request  a  telephonic  hearing  if  permitted  by  applicable  rules.  The  exchange  of  non-
privileged  information  relevant  to  the  Claim,  between  the  parties,  is  permitted  and  encouraged.  Either  party  may 
submit relevant information, documents or exhibits to the arbitrator for consideration in deciding a Claim. 

Broad  Meaning  of  "Claims."  The  term  "Claims"  in  this  Arbitration  Provision  is  to  be  given  the  broadest  possible 
meaning and includes (by way of example and without limitation) Claims arising from or relating to (i) the application for or 
issuance of your Account, (ii) use, terms, change in terms or addition of terms, closing or collection of your Account or this 
Agreement,  (iii)  advertisements,  promotions  or  oral  or  written  statements  related  to  your  Account,  including  any  Claims 
regarding information obtained by  us from, or reported by  us to, credit reporting agencies or others, (iv) Claims between 
you  and  our  parent  corporations,  wholly  or  majority  owned  subsidiaries,  affiliates,  predecessors,  successors,  assigns, 
agents,  independent  contractors,  employees,  officers,  directors  or  representatives  arising  from  your  Account  or  this 
Agreement and (v) Claims regarding the validity, enforceability or scope of this Arbitration Provision or this Agreement. 

Arbitration Procedure and Costs. For a copy of relevant codes of procedure, to file a Claim or for other information 
about  JAMS  and  AAA,  write  them,  visit  their  web  site  or  call  them  at:  (i)  for  JAMS,  http://www.jamsadr.com, 1-800-
352-5267;  or  1920  Main  Street,  Suite  300,  Irvine,  CA  92614  or  info@jamsadr.com,  (ii)  for  AAA,  1633  Broadway, 10th 
Floor,  New  York,  NY  10019  or  websitemail@adr.org,  http://www.adr.org,  1-800-778-7879.  If  either  party  fails  to 
submit to arbitration following a proper demand to do so, that party will bear the costs and expenses, including reasonable 
attorneys' fees, incurred by the party compelling arbitration. Any physical arbitration hearing that you attend will be held in 
the federal judicial district where you live at the time the Claim is filed. The party initiating the arbitration will pay the filing 
fee. You may seek a waiver of the initial filing fee or any other fees incurred in arbitration. If you seek, but do not qualify 
for, a waiver, we will consider any written request by you for us to pay or reimburse you for all or part of such fees. Each 
party will pay for its respective attorneys', experts' and witness fees, regardless of which party prevails in the arbitration. A 
party  may  recover  any  or  all  expenses  from  another  party  if  the  arbitrator,  applying  applicable  law,  so  determines. 
Allocation of fees and costs relating to appeals in arbitration will be handled in the same manner. For an explanation and 
schedule  of  the  fees  that  apply  to  an  arbitration  proceeding  with  JAMS,  please  visit http://www.jamsadr.com/rules-
streamlined-arbitration; for AAA, visit http://www.adr.org/consumer_arbitration. The appropriate fee schedule in effect from 
time to time is hereby incorporated by reference into this Arbitration Provision. If the 

 
 
 
 
 
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allocation  of  costs  and  fees  in  this  Arbitration  Provision  conflicts  with  the  rules  of  the  arbitration  organization  selected  to 
conduct the arbitration proceedings, then the rules of the arbitration organization shall apply. The cost of arbitration may be 
higher  or  lower  than  the  cost  of  bringing  your  Claim  in  court,  depending  upon  the  nature  of  your  Claim  and  how  the 
arbitration proceeds. Having more than one Claim and holding face-to-face hearings can increase the cost of arbitration. 
Again, neither you nor we will be permitted to arbitrate claims on a class-wide (that is, on other than an individual) basis. 
An arbitration proceeding can decide only your or our Claims. You cannot join other parties (or consolidate Claims) except 
with respect to persons who use your Account. 

Governing  Law  for  Arbitration.  This  Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate 
commerce,  and  will  be  governed  by  the  Federal  Arbitration  Act  ("FAA"),  9  U.S.C.  §§  1  et  seq.,  as  amended, 
notwithstanding  any other  governing  law  provision  in  this Agreement. The arbitrator  will apply applicable substantive  law 
consistent  with  the  FAA  and  applicable  statutes  of  limitations  and  will  honor  claims  of  privilege  recognized  at  law. 
Judgment  upon  any  arbitration  award  may  be  entered  and  enforced,  including  without  limitation  by  garnishment, 
attachment, foreclosure or other post-judgment remedies, in any court having jurisdiction. The arbitrator's decision will be 
final and binding, except for any right of appeal provided by the FAA, in which case any party can appeal the award to a 
three-arbitrator  panel  administered  by  the  selected  arbitration  administrator.  The  panel  will  reconsider  de  novo  (that  is, 
without deference to the ruling of the original arbitration) any aspect of the initial award requested by the appealing party. 

Continued  Effect  of  Arbitration  Provision.  This  Arbitration  Provision  will  continue  to  govern  any  Claims  that  may 
arise  without  regard  to  any  termination  or  cancellation  of  your  Account.  If  any  portion  of  this  Arbitration  Provision  (other 
than  the  provisions  prohibiting  class-wide  arbitration,  joinder  or  consolidation)  is  deemed  invalid  or  unenforceable  under 
the  FAA,  it  will  not  invalidate  the  remaining  portions  of  this  Arbitration  Provision.  If  a  conflict  or  inconsistency  arises 
between  the  code  of  procedures  of  the  selected  arbitration  administrator  and  this  Arbitration  Provision,  this  Arbitration 
Provision will control, except as otherwise provided herein. 

Your Billing Rights: 

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, write to us at: 
Credit Account Services 
P.O. Box 650748, Dallas, Texas, 75265-0748 
In your letter, 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. 
You 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 have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1. 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. 
2. Within 90 days of receiving your letter, 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 also 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 all of the rules above, you do not have to pay the first $50 of the amount you question even if your 
bill is correct. 

[Rev 0614]  

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 credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the 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 an ATM or with 
a check that accesses your credit card account do not qualify. 
3. You must not yet 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: 
Credit Account Services 
P.O. Box 650748, Dallas, Texas, 75265-0748 
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.