F03-M836-1 
This  Credit  Card  Agreement  (Agreement)  explains  the  terms  of  your  CustomCash  Platinum  MasterCard®  credit  card  account  (Account)  with RBS  Citizens, 
National  Association.  This  Agreement  consists  of  this  Agreement,  the  Pricing  Addendum  and  any  other  documents  or  information  provided  to  you  concerning 
terms  applicable  to your Account, including  any changes that  may be made to these documents  or information  from  time  to time.  The Bank  may  change terms 
of this Agreement at any time  subject to applicable  law.  Please read these documents  carefully  and keep them  for your records. 

CREDIT CARD AGREEMENT 

1.     Meaning  of Words.  In this Agreement,  you  and  your  mean  anyone  who (a) 
signs the  credit  card application,  (b) uses, maintains  or accepts the  Account, 
or (c) otherwise  agrees  to be obligated  under this  Agreement.  We, our and us 
mean  RBS Citizens,  N.A.,  Providence,  Rhode Island,  the issuer of your credit 
card and the creditor  under this  Agreement, or any subsequent  holder  of this 
Agreement or any  balances  in your  Account.  Card means  each  CustomCash 
MasterCard credit  card that we issue to you under this  Agreement.  Purchases 
means  amounts  charged  to your Account  when you use your Card  or give 
your Account  number  for a transaction.  Purchases  also includes  all of the 
Account  Fees  set forth in Section  16 and  other  charges  that are charged  to 
your  Account  (except  Cash  Advance  Fees  as defined  in Section  16(a)(i)),  as 
well  as Periodic Interest  Charges (defined  in Section 10(a)). Balance Transfers 
means  loans charged  to your Account that you obtain  as provided  in Section 
4(b).  Cash  Advances  means  loans  charged  to your Account  as provided  in 
Section  4(c). Cash Advances also includes  Cash Advance Fees. 

2.     Your Promise  to Pay.  You are legally  responsible  for paying the entire amount 
owed  to us under  this  Agreement.  You represent  and warrant  that  at the time  of 
each transaction  on the  Account  that  you have the  intent  and financial  capacity 
to repay  the amount  in full according  to the terms of this Agreement.  Upon 
request,  we  may issue additional  Cards to any person you authorize  to use your 
Account.  You and any such  person  agree  to be obligated  under  this  Agreement 
and are responsible  for paying  all charges  made  to your  Account  and any fees 
and charges  associated  with  such charges.  You agree not to make  or allow  to be 
made any transactions  which  are illegal  under any state  or federal  law.  We may 
decline  to approve any transaction  which  we  reasonably believe is a transaction 
which is illegal  under  any state  or federal law. An example  is casino  gambling 
on the  Internet.  You agree that  the  terms  of this  Agreement,  as amended  from 
time to time,  apply when  you use the Account or allow  any other  person to use 
your  Account,  and  any  such  person  agrees to the terms  of this Agreement.  By 
(a) using  your  Card, Account  number,  or Account,  (b) authorizing  or signing  any 
charge  or charge  slip on your  Account,  Balance  Transfer  or Balance  Transfer 
Check (as provided  in Section 4(b)), or (c) obtaining  a Cash Advance (as provided 
in Section 4(c)), you confirm  that  you agree to the terms of this Agreement. 

3.     Credit Limit.  Your total  credit  limit (Total Credit Limit ) is the combined amount 
of credit  for  Purchases, Balance Transfers and Cash Advances that  we  agree to 
extend  to you at any  one  time.  You will receive  a separate credit  limit for Cash 
Advances  (Cash  Advance  Limit ), which will be a portion  of your Total  Credit 
Limit.  Your Total  Credit  Limit and  Cash Advance  Limit,  as well as the amount 
available  for Cash  Advances  (Available  Cash ), will be shown  on your  Account 
statement (Statement ). We may change the amount  of your Total Credit Limit  or 
Cash Advance Limit  without  prior  notice  to you.  We may  also  limit your  ability 
to make  Balance Transfers.  You agree  not to exceed  either  your Total Credit 
Limit  or Cash Advance  Limit. 

The amount  shown  on your  Statement  as Available Cash does not include  any 
transactions  or Account  Fees  or other  charges  posted  to your  Account  after 
the Statement  Date  (as defined  in  Section  6) as shown  on that Statement 
which could result in either your Cash  Advance  Limit or Total  Credit  Limit 
being exceeded. 

Even if we permit  transactions  that  exceed either  your  Cash Advance Limit  or 
Total  Credit  Limit, you  are responsible  for those  transactions  as provided  in 
this Agreement. If we refuse  any such  transaction,  we may  advise  the  person 
attempting the transaction that it has been refused and we are not responsible 
or liable for taking such action. 

4.     How  You Can Use Your Account. 

a)     Purchases.   You  can use your Card  to  buy or lease  goods  or services 
wherever  your  Card is honored.  Each of these transactions  is a Purchase. 
In addition,  any credit life insurance  charges,  payment  protection  plan 
charges,  the Account   Fees  set forth in  Section  16  and other charges 
that are  charged  to your  Account  (except  Cash Advance  Fees and  Cash 
Equivalent   Transaction   Fees)  are treated  as Purchases  subject  to  the 
Interest  Charge  for Purchases  provided  for in this Agreement.   We  will 
pay  Purchases  you have  made  up to your Total Credit Limit.  The amount 
of any Purchase will be charged  to your  Account  and will appear on your 
Statement. 

b)    Balance  Transfers.  We may,  at our  sole  option,  give  you  special  checks 
which you can use to  reduce  or  pay off  the balance  on credit card 
accounts  or other  accounts  you  may  have  with other  creditors  (Balance 
Transfer  Checks). In addition,  we may  provide  you with Balance Transfer 
forms that you can complete  to request  us to issue  a check on your 
behalf to reduce or pay  off the balance  on credit  card accounts or other 
accounts  you  may  have with other  creditors.  We may  also  permit  you to 
execute  Balance  Transfers  by telephone or other  methods  authorized by 
us. Balance  Transfers  may  not be used  to make  payments  on accounts 
issued or held by us or our affiliates.  Balance Transfers may be subject 
to  promotional,  special or  additional  terms; these terms are part  of 
this Agreement.   We  will  pay the Balance  Transfer  amounts  you have 
authorized  up to  your Total Credit  Limit, unless  otherwise  limited by 
the terms of the Balance  Transfer.  Unless a special promotional offer  or 
other offer applies, you will be charged a transaction  fee for each Balance 
Transfer  (Balance  Transfer  Fee) in the amount  set forth  in Section  16(a) 
(iii). The amount of  any Balance  Transfer  and Balance   Transfer   Fee 
(which  is an Interest  Charge)  will be charged  to your  Account  and will 
appear  on your  Statement.  We do not certify  or return  Balance Transfer 
Checks. 

c)    Cash Advances. In this Agreement,  Cash Loans, ATM Loans, Convenience 
Checks and Cash Advance  Fees will be referred to as “Cash Advances.” 

(i)    Cash  Advances   and ATM  Loans.  You  can use your Card  to obtain 
Cash Advances from  any financial  institution  or  merchant  that  accepts 
your Card  and processes  the transaction.  The  minimum   amount  of 
any Cash  Advance  you can obtain  in this manner  is $20. The  total 
amount  of Cash  Advances  you can obtain  from financial  institutions 
and  merchants  in one  day  is $3,000 or the available  amount  of your 
Cash  Advance  Limit, whichever  is less.  You  can also  use  your  Card 
and  personal  identification  number  (PIN )  to get a Cash Advance  from 
any automated  teller  machine  (ATM ) that  accepts  your  Card. The total 
amount  of Cash  Advances  you can obtain  from ATMs  in one  day is 
$500  or the  available  amount  of your  Cash Advance  Limit,  whichever 
is less.  We or the operators  of ATMs may  place  additional  limitations 
and requirements  on Cash  Advances   you may obtain from ATMs. 
Authorization   for  Cash  Advances   over a  certain dollar amount or 
number  may be refused under certain  circumstances  even though  you 
have  Available  Cash.  These  restrictions   may  be for security  or other 
reasons, including:  (i) the  ATM or other  electronic  authorization  system 
is not  working  properly;  (ii) your  Card or PIN has been  reported  lost  or 
stolen  or has been  canceled;  (iii)  the  financial  institution,  merchant  or 
ATM  does  not have  enough  cash;  and  (iv)  circumstances   beyond  our 
control,  such as a power outage. 

(ii)  Convenience  Checks.  From  time to time, we may supply  you with 
special checks which  you can use as you would a regular check to pay 
for goods and services or to write yourself a loan (called  Convenience 
Checks ). Convenience Checks may not be used to make payment on 
any account  issued or held by us or our affiliates.  Convenience Checks 
may be subject  to  promotional,  special  or  additional  terms; these 
terms are part of this Agreement.  We will pay the  amounts  you have 
authorized  up to your Cash  Advance  Limit, or to an amount  above 
your  Cash  Advance  Limit  at  our  discretion,  unless  otherwise 
limited by the terms  or conditions  of the Convenience  Check.  The 
amount  of  any  Cash  Advance  and  the Cash  Advance  Fee  will  be 
charged  to  your  Account  and  will  appear  on  your  Statement. 
Unless  subject  to  a  special  promotion,  you  will  be  charged  a 
transaction  fee for each  Cash Advance  (Cash Advance  Fee ) which  is 
an  Interest  Charge  in the  amount set forth  in Section  16(a)(i). Cash 
Advance  Fees  are  treated  as  Cash  Advances.  We  do  not  certify  or 
return  Convenience Checks. 

(iii) Cash Equivalent  Transactions.  Cash Equivalent  Transactions  include 
purchasing travelers checks, savings bonds,  foreign  currency, 
money  orders,  wire transfers,  lottery  tickets,  funds  used for wagers 
or gambling,  or similar products  or services  as determined  by the 
Bank.  We  will charge  your  Account  a fee for each  Cash  Equivalent 
Transaction   (Cash  Equivalent   Transaction   Fee)  in  the amount  set 
forth in Section 16(a)(iv). These transactions  are also treated  as Cash 
Advances for all other  purposes  on  your  Account.  Cash Advance Fee 
Interest  Charges  for Cash  Equivalent  Transactions  will be added  to 
your  Cash Advance Balances. 

d)    Obtaining  Credit  Without  Your Card. You can  make  Purchases  or Balance 
Transfers  or obtain  Cash Advances without  using  your  Card (such  as for 
Internet,  mail order  or telephone  transactions). If you  do so, you  will be 
responsible for the amount  of each  transaction  and  any  applicable  fees 
as if you had used your Card. 

5.     CustomCash Platinum  Rewards  MasterCard  Plan. You will  receive  CustomCash 
Points,  subject  to the limitations  or caps  stated  in the Reward  Summary  of 
your Pricing  Addendum  or prior Agreement,  as follows:  At the end of each 
billing  cycle, we  will  determine  the  total  dollar amount of  CustomCash 
Purchases (defined below) made in each Merchant  Category by you or persons 
using  additional  Cards  which you have  authorized  under  Section  2. For  the 
Merchant  Category in which  you spent the most for the billing  cycle you will 
receive 3% in CustomCash Points for  each dollar  spent.  For all other Merchant 
Categories  you  will receive  1% in CustomCash  Points  for each dollar  spent. 
Merchant  Categories are described  below.  For CustomCash Purchases that  do 
not fall into a Merchant  Category you  will receive 1% in CustomCash  Points 
for each dollar  spent.  For example,  if you spend $200  in Grocery Stores  and 
$100 in all other  categories,  Grocery  Stores  becomes  the highest  Merchant 
Category.  You  will get 3% in CustomCash  Points  for each  dollar  you spent 
in Grocery  Stores  (4 CustomCash  Points)  and 1% for all other  CustomCash 
Purchases (1 CustomCash Point) for a total of 5 CustomCash Points. 

CustomCash  Purchases   means the  total  face amount of  each sales slip 
including  sales  tax and  gratuities  for Purchases  you  make  using  your  Card. 
No CustomCash  Points  will be awarded  on Balance Transfers,  Cash Advances, 
Account  Fees or charges, Periodic Interest  Charges, returned  check  charges, 
and life  insurance  and payment  protection  plan charges.  No CustomCash 
Points  will  be awarded  on the purchase  of  money  orders,  wire transfers, 
lottery tickets, gambling charges, or unauthorized charges to your Account. 

Merchant  Categories  will  be determined  by us and may change  from time 
to  time  at  our  sole discretion.   Current  Merchant  Categories  are: General 
Retailers,  Home  Improvement   Retailers,  Specialty  Retailers,  Grocery  Stores, 
Service Providers,   Catalog &  Direct  Merchants, Restaurants,   Gasoline 
Stations,  Sports & Leisure,  Transportation  (non-airline),  Clothing & Accessories 
Retailers,  Pharmacies/Medical,   Hotel,  Utilities  &  Associations,  Electronics  & 
Appliance  Stores,  and  Airlines.  These  Merchant  Categories  are explained  in 
the CustomCash  Welcome  Brochure  within your Welcome  Package.  Not all 
Purchases and charges  will be included in a Merchant  Category. For example, 
educational tuition  or automobile purchases  are not included in any Merchant 
Category.  Purchases  excluded   from Merchant   Categories  will  receive  1%. 
The  assignment   of any CustomCash  Purchase  to a Merchant  Category  will 
be solely  determined  by us and will  be based  upon  the type of merchant 
rather  than the nature  of the product  or service  purchased.  For  example,  a 
refrigerator  purchased at a Home Improvement  store  will be assigned  to the 
Home  Improvement   Retailers  Category,  but  a  refrigerator  purchased  from 
an Appliance  Store  will be assigned  to the Electronics  and  Appliance  Stores 
Category. 

Returned  CustomCash  Purchases,  reversed  transactions   or charge  backs  will 
reduce  your CustomCash  Points  by the number  of  CustomCash  Points  you 
previously  received  for the CustomCash  Purchase.  If the CustomCash  Points 
have  been  redeemed  before  a CustomCash  Purchase  is returned,  there  may 
be a negative  CustomCash  Points  balance.  CustomCash  Points  may also be 
deducted  from  your Account  should  those CustomCash Points be the product  of 
a fraudulent or unauthorized transaction. 

Your Statement  will show  a summary  of your CustomCash Points. CustomCash 
checks  are awarded in $50 increments.  Each  CustomCash check  will expire 
three  (3) months  after  its date of issue.  We are under  no obligation  to replace 
expired,  damaged,  lost, or stolen  CustomCash  checks.  CustomCash  checks 
may not be used  as payment  on any account  issued  or held by  us  or our 
affiliates.  If, for any reason,  you request  a stop payment  on a  CustomCash 
check, we  may,  at  our  sole  option,  charge  you  a  $15  Stop   Payment  
Fee.  Additional    terms,  conditions    and  restrictions    of  the    CustomCash 
Platinum  Rewards   MasterCard   Plan may  be  provided on  your Statement  
and  on  other informational  materials  we  may send to  you  from time  to 
time.  The CustomCash  Platinum  Rewards  MasterCard  Plan  is  void  where 
prohibited  by federal, state or local law. 

CustomCash Points must  be redeemed  within  36 billing  cycles after the billing 
cycle in  which the CustomCash  Points  were awarded.  If  you do not make 
enough  CustomCash  Purchases  in a 36-month  period to get 50 CustomCash 
Points (and thus have your CustomCash Points redeemed  through  the award  of 
a CustomCash check),  following  the  thirty-sixth  billing  cycle after each award 
of CustomCash  Points  was made,  the CustomCash  Points  awarded   in that 
billing cycle will be forfeited and canceled from your Account. If you previously 
had a  credit card account  with  us which was converted  to  this Account, 
existing  Purchases  Balances  which are transferred  to this Account  are not 
eligible for CustomCash  Points.  Only  CustomCash  Purchases  made  with your 
Card are eligible  for CustomCash Points.  We may,  at any time,  add to, amend 
or  change  any of  the terms, conditions  or  restrictions  of  the CustomCash 
Platinum   Rewards   MasterCard   Plan. The CustomCash  Platinum   Rewards 
MasterCard  Plan  may be discontinued  at any time, but CustomCash  Points 
of 50 or more  awarded  before the date  on which  CustomCash Purchases no 
longer qualify  for CustomCash  Points  will be redeemed in increments  of 50. 
After  that date and the redemption  of your CustomCash  Points,  we reserve 
the right to cancel, without  compensation to you, your remaining  CustomCash 
Points which total less than 50. If you close your Account or we for any reason 
do not renew  your  Card after  it expires, or you  or we suspend your charging 
privileges,  we reserve  the right to discontinue  awarding  CustomCash Points 
to your  Account.  If we or you  close  your  Account  or suspend your  ability  to 
use your  Account to make  Purchases, or we for any reason do not renew your 
Account when it expires,  all of your CustomCash Points which  are less than 50 
on the date  your  Account is closed,  your  charge  privileges  are suspended or 
your Account expires, will be forfeited and canceled. 

In the event that your Account is dormant for more than 12 consecutive billing 
cycles,  all  of  your  CustomCash Points under  50 will be forfeited and canceled. 
Your Account  is dormant in a billing  cycle when the balance  is zero  on each 
day during  the cycle and no transactions  are posted to your Account on any 
day during the cycle. If your  Account  has an Annual Membership  Fee and you 
pay the Annual Membership  Fee, that  payment  will be considered activity  and 
will remove your Account from dormant status. 

If your Account  is delinquent,  you  will thereafter  be ineligible  to be awarded 
CustomCash  Points  on CustomCash  Purchases  you make. Effective  at  the 
conclusion  of your second  consecutive  delinquent  billing cycle, we will  no 
longer  award  CustomCash checks  to you even if your CustomCash Points total 
exceeds 50. If you make your required payments and/or reduce your Account 
balance to below your Total Credit Limit  and we in our sole discretion  decide 
to  reinstate  your Account,  you will  then be eligible  to  obtain CustomCash 
Points and  be awarded  CustomCash checks.  If your Account is delinquent for 
two  (2) consecutive billing  cycles, all of your  unredeemed  CustomCash Points 
will be forfeited  and  canceled.  Your Account  is delinquent if you fail to make 
a Minimum  Payment (defined in Section 6) by the Payment Due Date (defined 
in Section  6) or you allow  your  Account  balance to exceed  your  Total  Credit 
Limit.  CustomCash Points have no cash  value  and  may  not be used  to make 
a payment on your Account. 

6.     Statement.   We  will  send you a  Statement  each month that  you have a 
credit  or debit  balance of more  than  $1, when  an Interest  Charge  has  been 
imposed,  or when  there  has been  activity  in your Account,  unless  we deem 
your  Account  uncollectible  or delinquency  collection  proceedings  have  been 
instituted   against  you.  Your  Statement  will show  the total amount  that you 
owe  us (New  Balance ). It will also  tell you  the minimum  payment  you must 
make (Minimum Payment ) and tell  you when  payments  are due (Payment Due 
Date).  Your  Statement  will also show your Total  Credit  Limit, the available 

amount  of your Total  Credit  Limit for use on the closing  date of the billing 
cycle (Available  Credit ), Cash  Advance  Limit and Available  Cash  as of the 
closing  date  (Statement Date) of the billing  cycle. Your Available Credit will be 
the amount of your Total Credit Limit,  minus  the sum of: (a) the  New Balance, 
(b)  any Purchases,  Balance  Transfers  or Cash  Advances  which have  been 
authorized  but not yet posted  to your Account,  and (c) the amount  of any 
payments that  have not yet cleared as of the closing date of your billing cycle. 

Unless you  notify  us within sixty  (60)  days  of receipt,  your  Statement  will be 
deemed to be correct. 

7.     Making  Payments. You must  make  a payment  every month  that you  owe  a 
balance  on your  Account.  You may  pay the  New  Balance (which  is the entire 
amount  due),  or a lesser  amount,  but you must pay at least the Minimum 
Payment. Payments must be mailed to the address shown on your Statement. 
Payments  must be accompanied  by the return portion  of  your Statement. 
Payments received at the address shown on your Statement before 5:00  P.M. 
Eastern  Time will  be credited  by us for that day. Payments  received  after 
this time will be credited for the next business day. If your payment due date 
is on a day which we do not receive  mailed  payments,  a mailed  payment 
received on the next  business  day  will not be treated  as late.  Payments can 
be made  only at the address  provided  on the Statement.  There  may be a 
delay  in crediting  payments  received  at any location  other  than  the address 
shown on your Statement until properly  received.  There  may  also  be a delay 
in crediting  payments received if  the return  portion  of your  Statement  does 
not accompany  your payment  or if  the return portion  of your Statement  is 
damaged and we are unable to identify your Account number. 

Payments   must  be  made in  U.S.   Dollars drawn  on  a  federally-insured 
depository institution  located in the  U.S. Payments  less  than  or equal  to the 
Minimum  Amount  Due  will be applied  in any  order  that the Bank  shall 
from time to time  choose. Generally,  payments  less  than  or  equal  to the 
Minimum  Amount  Due  are applied  to introductory,  promotional  or low 
rate balances  before  the Bank  applies  payments  to balances  that are 
subject  to standard  or higher  rates,  regardless  of when  the  transaction 
is made.  Any amount  of your payments  that  is greater than the Minimum 
Amount  Due  will be applied first to balances with the  highest  APR, and 
then to each successive  balance  with the next highest  APR,  until the 
payment is exhausted.  You agree  to this. 

By sending  a check for payment  on your  Account,  you authorize  us to initiate 
an Electronic   Funds  Transfer  (EFT) from  your  bank  according   to the terms of 
the check.  This means we will copy your check  before we destroy it and use 
the account information  on it to electronically debit your bank account for the 
amount  of the check.  The  debit from your bank account  will usually  occur 
within 24 hours  and will  be shown  on your bank account  statement  from 
which your check was drawn on. You  will  not receive  your original  check 
back. If the EFT  cannot   be processed  for technical  reasons,  you authorize 
us to process  the copy  in place  of your original  check.  If the EFT cannot  be 
completed  because of insufficient  funds, we may try to make the transfer  up 
to 2 times. If the  EFT still cannot  be  completed   because  the  EFT was derived 
from your check, this will  be treated  as if  your payment  check had been 
returned to the Bank as unpaid. 

Any conditional  check,  money  order  or any other  instrument  tendered with a 
restrictive  endorsement or as a full satisfaction  of a disputed  debt must be 
sent to our address  for billing error notices  shown  on each  Statement  and 
must  conspicuously state on the face of that payment or in an accompanying 
letter that it is tendered for this purpose.  If you make  payment  in any  other 
way and we accept it, we will not have waived our right  to collect any amount 
from you owed under this Agreement. 

In  addition  to  accepting  payments  by mail, we may permit you to  make 
payments by electronic  means, including  by telephone or Internet, subject to 
any terms we may impose on these alternative methods of payment, including 
charging a fee for such service of which we will inform you at that time. If you 
choose to pay by any of these means,  you agree to pay this service fee. 

8.     Minimum   Payment.  If  your New Balance  is  $30  or  less, your Minimum 
Payment will be the New Balance. Otherwise,  it will be the greater of (i) $30;  or 
(ii) equal  to the total  billed  Interest  Charges (excluding  Balance  Transfer  Fees, 
Cash Advance  Fees and Cash Equivalent  Transaction  Fees), and  any billed  Late 
Payment  Fees  and 1% of the New Balance.  Any  amount  past due and any 
amount  over your Total Credit Limit  or Cash Advance Limit  may be added to the 
Minimum  Payment.  Your Minimum  Payment, exclusive  of Interest  Charges, will 
be rounded to the nearest whole dollar. 

The Bank  may  change  your  minimum   Amount  Due  including  increasing  your 
Minimum  Amount Due subject to applicable Law. 

If  you  exercise your  right  to  cancel contained in  a  change-in-terms 
notification,  the Bank  may increase  your Minimum   Amount  Due.  The  Bank 
may require  a method  in which the minimum  periodic  payment  includes  a 
percentage  of the outstanding  balance that is twice  the percentage required 
before  the increase  or a method  which incorporates  an amortization  period 
of not less than 5 years.  The Bank  may  also  choose a method that is no less 
beneficial to you than the other two methods previously described. 

9.     Annual  Percentage  Rate.  We  calculate  the Interest  Charge  on Purchases, 
Balance Transfers,   Cash Advances,   and  Cash Equivalent   Transactions 
(each,  a Transaction  Type)  using  daily periodic  rates  which are 1/365th of 
the corresponding  Annual  Percentage  Rate.  Your  daily  periodic  rate and  the 
corresponding   Annual  Percentage  Rate  for each  Transaction   Type  (each,  a 
Standard  Rate)  are shown  on your Pricing  Addendum  and Statement.   Your 
Standard  Rates  may  be either  fixed  or variable:  your  Pricing  Addendum  and 
Statement  disclose whether  you have fixed  or variable  Standard Rates. If your 
Standard  Rates are  variable,  your  Standard  Rates may  vary  monthly  and  will 
be reset  on the first day  of each  billing cycle  by adding  an index  (Index)  to 
a margin  for each  Transaction  Type.  The Index  is determined  monthly  and it 
is the three  month  LIBOR (London  Interbank  Offered  Rate)  published  in the 
northeastern  edition  of The Wall Street Journal  in its Money  Rates table  on the 
first day  of the preceding  month  rounded up to the nearest one-quarter  of a 
percentage point. If the first day of the preceding month is not a business day, 
the Bank will use  the  three  month  LIBOR published   on the  next  business  day. 
If more  than  one  three  month  LIBOR is published in The Wall Street Journal 
Money  Rates table,  we will use  the highest  three  month  LIBOR. In the event 
that The  Wall  Street  Journal  ceases  to be published  or ceases  or otherwise 
does  not  publish  the  three  month  LIBOR, we may  use the  three  month  LIBOR 
published in any other newspaper of general circulation,  or we may substitute 
a similar  Index at our sole  option.  Your  margins  are shown  on your  Pricing 
Addendum.  If  your Standard   Rates  are variable,  your Standard  Rates  will 
increase if the Index increases.  Any increase in your Standard  Rates will apply 
to all unpaid  Purchases,  Balance  Transfers  and Cash  Advances  (regardless 
of the transaction  date)  and  will increase  the Interest  Charge and  your  New 
Balance and may increase the Minimum  Payment. 

10.   Interest  Charge. The Interest  Charge consists  of (a) the application  of certain 
periodic  rates  to a Daily  Balance  (Periodic  Interest  Charges)  for Purchases, 
Cash Advances and  Balance  Transfers  (including  current  transactions)  and  (b) 
the Cash Advance Fees and  Balance Transfer Fees (Transaction Fee Interest 
Charges), as applicable. 

a)     Periodic  Interest  Charges. 

(i)     In  General.  We  calculate   the  Periodic  Interest  Charge  separately 
for  each Transaction   Type (Purchases,   Balance   Transfers,   Cash 
Advances,  and Cash  Equivalent   Transactions)   by  determining  the 
Daily  Balance  for each  Transaction  Type each  day,  multiplying  each 
Daily  Balance  by the applicable  daily  periodic  rate and adding them 
together.  If you  have  a promotional  rate in effect,  we calculate  the 
Periodic  Interest  Charge for promotional  rate  transactions  separately 
in the same manner for the respective Transaction Type to which the 
promotional rate applies. 

(ii)   Determining  the Daily  Balance.  We determine  the Daily  Balance  for 
each  Transaction  Type by (i) taking  the  beginning  balance each day, 
(ii) adding  any  new transactions  (including  any  applicable  fees  and 
other charges) and other debits, (iii) subtracting  payments and other 
credits, for the Transaction Type, (iv) making  any other adjustments, 
and  (v)  adding  accrued  Interest  Charges  for that day.  This  gives  us 
the Daily  Balance.  This  method  results  in the daily  compounding  of 
Interest  Charges.  If any  day’s  Daily  Balance  is a credit  balance, we 
will treat it as a balance equal  to $0.00 when we calculate the Daily 
Balances for the billing cycle. 

(iii)  Total  Periodic  Interest  Charges. We add together the Periodic Interest 
Charges   for  each  Transaction   Type to  determine   total  Periodic 
Interest  Charges for that billing cycle. 

b)   Transaction   Fee  Interest Charges.   We   will  charge you the  following 
Transaction   Fee  Interest Charges   (Transaction   Fees ),  as  applicable: 
Balance  Transfer  Fees on Balance  Transfers  and  Cash Advance  Fees on 
Cash Advances. 

Transaction  Fees are Interest  Charges. 

c)    Total Interest   Charges.  All  Transaction  Fee  Interest  Charges  charged 
to  your  Account during  a  billing  cycle  plus  total  Periodic Interest 
Charges  for  that billing cycle equal the total Interest  Charge  for  that 
billing  cycle.  There will  be  a  $1.50  minimum  Periodic INTEREST 
CHARGE   in  any  billing  cycle  in  which  a  Periodic Interest Charge 
is  due.  For  the  purpose of  the  minimum Periodic Interest Charge 
calculation, all Transaction  Fee Interest  Charges are not included. 

d)    Periodic  Interest  Charges  on the Statement.   On  the Statement,  you will 
see  the “Average  Daily  Balance”  for each  Transaction  Type.  The  Average 
Daily  Balance for each  Transaction  Type is determined  by adding  up  all of 
the Daily  Balances  for that Transaction  Type and  dividing  the total  by the 
number  of days in the billing  cycle.  In the case of transactions  posted after 
the end  of the previous  billing  cycle,  adding  up all of the Daily  Balances 
for those  Transaction  Types  and  dividing  by the number  of days  between 
the respective  transaction  dates  and  the end  of the current  billing cycle. 
If you  multiply  the Average  Daily  Balance  for a Transaction  Type  by that 
Transaction   Type’s  daily periodic  rate, and multiply the  result by  the 
number  of days  in the billing  cycle,  the  total  will approximate  the  Periodic 
Interest  Charges for that  Transaction  Type attributable  to the billing  cycle, 
except for minor variations  due to rounding. 

Additionally,  if  you did not pay the New  Balance  from a previous  billing 
cycle  in full, Interest  Charges  continue  to accrue  to your  unpaid  balance 
until the  unpaid  balance is paid in full. This means  that you may  still owe 
Interest  Charges,  even if you pay the  entire  New  Balance indicated  on  the 
front of your  Statement  by the next Statement  closing  date,  but did not 
do so for the previous  month.  Unpaid  Interest  Charges  are added  to the 
applicable  Transaction  Type of your  Account.  The Periodic  Interest  Charge 
may be referred  to on the Statement  and other places  as “interest” or 
“finance charge.” 

11.   When the Periodic Interest Charge Begins. 

a)     Purchases.  Interest  Charges  for Purchases  will  begin  to accrue  on the 
transaction date and will continue to accrue until payment in full is credited 
to your  account.  The transaction  date  for Purchases is the day you made 
the Purchase  as shown  on a Statement.   You  can avoid  paying  Periodic 
Interest  Charges on Purchases  in any billing  cycle  if you always pay the 
entire  New Balance on your  current  Statements  by the  Payment Due Date 
(the “grace  period”).  In addition, if you paid  your  previous  balance  in full 
by the Payment  Due  Date,  you  will not be charged any Periodic Interest 
Charges on any portion of new purchases when they are first billed on your 
current monthly statement if you make a payment during the month when 
first billed and we allocate such payment under the allocation scheme (see 
Section  7) to your  new  purchases.  The Payment  Due Date will be at least 
twenty-one  (21) days from the Statement Date. 

b)    Balance  Transfers  and Cash  Advances.   There  is  no grace period for 
Balance   Transfers   or  Cash Advances,   unless a  special promotional 
offer  applies.  You will always  pay  a Periodic  Interest  Charge  on Balance 
Transfers  and  Cash Advances  from  the transaction  date to the date  you 
pay  the amount  in full. This  will be true even  if you  pay  the entire New 
Balance  shown  on your  Statement  by the Payment  Due  Date  for every 
Statement.  The transaction  date for Balance  Transfers  is  the day you 
made  the Balance  Transfer  as shown  on a Statement.  The transaction 
date  for Cash Advances  and  related  Cash Advance  Fees is the day  you 
received  the Cash Advance. 

12.   Credit  Balance.  If your  New  Balance  is a credit  balance, we will refund  the 
amount of the credit to you promptly,  if you request  us to do so in writing,  or 
as required by law. If you have a credit balance that is less than $1,000  or such 
other  amount  as we  may determine,  you may  be able to request a refund over 
the telephone.  If you  have  a credit  balance at the end  of a billing cycle  and 
you  have  Purchases,  Balance  Transfers  or Cash Advances  balances,  we may 
transfer the credit balance to the other balances. 

13.   Cards,   Balance   Transfer   Checks   and  Convenience   Checks.   Any Cards, 
Balance Transfer  Checks or  Convenience Checks issued  to you belong  to us. You 
agree to sign each Card before you use it. You agree  to return  your  Cards, Balance 
Transfer Checks and Convenience Checks to us at any time,  if we ask you. When 
you  present  your  Card, we, a merchant,  or any  other  party  acting  on our  behalf 
can retain  your Card, without  prior notice to you. 

14.   Default. 

a)     Default  Defined. 

If any one of the following  events happen, you are in Default: 

(i)      you fail to make a Minimum  Payment by the Payment Due Date; 

(ii)      you exceed either  your Cash Advance Limit  or your Total Credit Limit; 

(iii)   you  gave  us incomplete or false information  to get your Account or 

when we requested additional information from you; 

(iv)   you make or permit to be made any transaction that is illegal under 

any state or federal law; 

(v)     you break  any promise  you made  to us in this Agreement; 

(vi)   you become  delinquent  on one or more  accounts  you have with us, 
which in our determination  adversely affects  your ability to meet 
your obligations under this Agreement; 

(vii)  you are not  paying  your  debts  as they  become  due or you become 
involved in  bankruptcy, insolvency,   foreclosure,   garnishment, 
repossession or similar proceedings; 

(viii)   you make a payment that is returned or dishonored for any reason; or 

(ix)     we  otherwise  reasonably  believe  you won’t keep your promises 

made in this Agreement or pay what  you owe. 

b)    Bank Remedies for Default. 

(i)    If you are in Default, we may do any of the following things: 

                      •    The Bank may  reduce  your Total Credit Limit  and/or  your Cash 
Credit   Limit,  increase your  Minimum  Payment,   close  your 
Account  or suspend  or terminate  credit privileges.  If the Bank 
closes your Account, the Bank may cancel your privilege to make 
further Purchases,   receive Cash  Advances,   or  write  Balance 
Transfer  Checks or Convenience Checks. 

                      •    If  you are  in Default, you understand  and  agree  that  a  negative 
report reflecting  on your Account may be submitted  to consumer 
reporting agencies. 

                      •    Apply  the  Penalty Rate  to  all Purchases,  Balance Transfers  and 
Cash  Advances  that occur  more  than  14 days after  we provide 
notice to you. 

                       •    If Section 14(b)(i) applies, the Penalty Rate will apply indefinitely. 

(ii)  If we do not receive your Minimum  Amount Due within  60 days after 

the Payment Due Date for such payment, the Bank may: 

                       •      Apply the Penalty Rate to all your existing balances and all future  

Purchases, Balance Transfers  and Cash Advances. 

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-      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. 

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 Card Services – Disputes,  P.O. Box 
7092,  Bridgeport,  CT 06601-3211. 

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. 

                      •    If  Section 14  (b)(ii)  applies  and  for six consecutive  billing  cycles 
following  the cycle in  which the Penalty  Rate  is  imposed,  you 
comply with  all  the  terms of  your Agreement,  including,  but 
not  limited  to,  making  all  required Minimum Payments   by 
their Payment  Due  Dates,  the Bank  will  reinstate  your Annual 
Percentage  Rate on  Purchases,   Balance   Transfers   and Cash 
Advances. 

(iii)  Before  we apply a Penalty  Rate,  we will  provide  notice to you as 
required by applicable law.  The notice will describe  the  Penalty Rate, 
its duration and which outstanding and/or future transaction to which 
the Penalty Rate will apply. 

15.   Collection   Costs.  If  you are in  Default,  we  may refer your Account  for 
collection or take any other actions permitted  by this Agreement or applicable 
law. If  we do, you agree  to pay the reasonable  fees and expenses  of our 
collection  agency  or other person  collecting  your Account,  as permitted  by 
law. We  may also sue you to collect the amount  due. If  we do that, you 
agree  to pay  all court  costs  and  expenses of collection,  including  reasonable 
attorneys’  fees as allowed  by law. 

16.   Account  Fees.  You agree  to pay  the following  Account  Fees, as applicable. 
Each of  the  Account Fees, except Cash Advance   Fees, are  treated as 
Purchases when charged to your  Account.  Cash Advance Fees are  treated  as 
Cash Advances when  charged  to your Account. 

a)     Transaction  Fees. 

(i)    Cash  Advance   Fee.  For each Cash  Advance,  we will  charge  your 
Account a fee (Cash Advance  Fee) up to three percent (3%) of the 
U.S. Dollar amount  of the Cash Advance, but not less than a minimum 
Cash  Advance  Fee  of $10. This  fee is an INTEREST  CHARGE.  We 
charge  Cash Advance  Fees in addition to Periodic Interest Charges. 

(ii)  Balance  Transfer  Fee.  Unless  a special  promotional  offer or other 
offer applies,  we will charge  your  Account  a Balance  Transfer  Fee 
for each  Balance  Transfer  in an amount  up to four percent  (4%) 
of the U.S. Dollar  amount  of the Balance Transfer,  but not less  than 
a minimum   Balance  Transfer  Fee of $10. This  fee is an INTEREST 
CHARGE. We  charge  Balance  Transfer   Fees  in addition  to Periodic 
Interest Charges. 

(iii)  Cash  Equivalent   Transaction   Fee.  Cash  Equivalent   Transactions   are 
those  transactions  performed  using a  merchant  or service  provider 
that Visa or  MasterCard  identifies   as a  seller of  travelers  checks, 
foreign  currency,  money  orders,  wire transfers,  lottery  tickets,  funds 
used for wagers  or  gambling,  or similar products  or  services.  For 
Cash  Equivalent  Transactions,   we will  charge  your Account  a Cash 
Equivalent  Transaction  Fee equal  to the greater  of five  percent  (5%)  of 
the  Cash Equivalent  amount  or $20.  This fee  is an INTEREST CHARGE. 
We  charge  Cash  Equivalent  Transaction   Fees  in addition  to Periodic 
Interest Charges. 

b)    Other Account  Fees. 

(i)    Annual  Membership   Fee.  Please  refer to your Pricing  Addendum  to 
determine if an Annual Membership  Fee applies to your Account. 

(ii)  Card Replacement  Fee. If we replace a stolen, lost or damaged Card, 
we may  charge  your  Account  a Card  Replacement   Fee  of $10. We 
may charge additional fees for expedited or overseas delivery of your 
replacement Card. 

(iii) Late  Payment  Fee.  We  may charge  your Account  a Late Payment 
Fee if we do not receive your Minimum  Payment by the Payment Due 
Date. Your Late Payment  Fee is $25 for the first occurrence and up to 
$35 for additional occurrences during the next six billing cycles. In no 
event will your  Late  Payment  Fee exceed the  Minimum  Payment. No 
late fee will be assessed if your Minimum  Payment is less than $30. 

(iv)  Copy Fee. We may  charge  your  Account  a Copy  Fee  of $5 for each 
page  of photocopy of any sales  slip  or other record of your Account 
plus  $30 per hour for the time it takes  our employees  or agents  to 
make the copies, to the extent permitted  by law. 

(v)    Stop  Payment   Fee.  We  may charge  your Account  a Stop  Payment 
Fee  of $29 when  you  request  that we stop  payment  of a check you 
have requested  under  Section  4 of this  Agreement (including  Balance 
Transfer  Checks  and Convenience   Checks).  You  may make a stop 
payment  request  by calling  us TOLL  FREE  at 1-800-426-1114  or by 
writing  to: Credit  Card  Services  – Customer  Service,  P.O. Box  7092, 
Bridgeport,  CT 06601.  We will accept a stop payment  order only if we 
have  reasonable  time to act on the order  before  we pay  the item or 
become legally obligated to do so. 

17.   Foreign  Transaction/Currency  Conversion. If you use your  Card or Account 
in  another  country  to  obtain cash or  to  purchase  goods  or  services  in  a 
currency  other than U.S.  Dollars,   MasterCard   or  Visa (whichever  applies) 
will convert  the amount  of the charge  in foreign  currency  into a U.S.  Dollar 
amount.  To make  this conversion,  MasterCard  or Visa  will use the  procedure 
set forth in their  respective  operating  rules.  MasterCard  and  Visa may  change 
the procedures from  time  to time at their  discretion.  Those rules provide that 
MasterCard  or Visa  may  make  the conversion  to U.S. Dollars  using  either  a 
(a) government-mandated   rate  or (b) rate  selected  by Visa  or MasterCard  as 
applicable, from  a range of rates available in wholesale currency markets.  In 
either  case, the rate  used will be the rate  in effect  on the applicable central 
processing  date  Visa or MasterCard as applicable, processes the transaction. 
You agree  to accept  and pay the  U.S. Dollar amount  converted  from  a foreign 
currency  as provided in this Section. 

For  Visa  Card  transactions,   if  a credit is subsequently  given  for a transaction, 
Visa will use the currency  conversion procedure described above. The currency 
conversion  rate in effect on the original  transaction  date may  differ from the 
rate in effect on the date  the transaction  credit was issued. This  means  that 
the amount of the credit  may be different from the amount that was originally 
charged to your Account for the transaction. 

For MasterCard  Card  transactions,   if  a  credit is  subsequently  given for  a 
transaction, MasterCard will use the currency conversion procedure described 
above. The currency  conversion rate on the original  transaction  date may differ 
from the rate in effect on the date the transaction  credit was  issued.  This 
means  that the amount  of the credit may  be different  from the  amount  that 
was originally charged to your Account for the transaction. 

18.   Changing Terms  of Agreement.  We may change terms  of this Agreement at 
any  time. If required  by applicable law, we will provide  notice  of the change 
to you before the effective date of the change. 

19.   Notices.  You promise  to notify us promptly of any change in your address.  We 
will send Statements  and notices  to your last known address. If there are two 
or more persons obligated under this Agreement, we can send Statements and 
notices to any one of these persons. 

20.   Lost or Stolen  Cards/Unauthorized   Use. You will not be liable for the use of 
your  Card that occurs after  the loss, theft or unauthorized  use  of your Card, 
provided  that you notify  us of such  loss,  theft or possible  unauthorized  use 
within a reasonable  period  of time after you knew or should  have  known 
of  such loss, theft  or  possible  unauthorized  use. To  report loss, theft  or 
unauthorized  use call TOLL   FREE  1-800-443-0164.  If  you fail to  notify us 
within a reasonable period  of time after such loss, theft  or unauthorized use, 
your liability will not exceed $50. 

21.   Applicable Law. This Agreement and the use of your Account are governed by, 
and interpreted under, federal law (including but not limited to the laws, rules 
and regulations  applicable  to national  banks),  the United  States  Arbitration 
Act and,  to the extent not governed or preempted by federal law,  Connecticut 
law, applicable to contracts made and to be performed in Connecticut without 
reference  to  principles  of  conflict of  laws. The legality,  enforceability  and 
interpretation  of  this Agreement  and the amounts  contracted  for, charged 
and received under this Agreement will be governed by such laws.  We accept 
this Agreement  in Connecticut.  Decisions  about  granting  credit to you and 
all credit  extended under  this Agreement  are made  by us from Connecticut. 
Federal and  Connecticut  law also  apply  to any controversy, claim  or dispute 
arising  from or relating  in any  way to the subject  matter  of this Agreement 
or your Account, including  statutory,  equitable  and tort claims.  If any  part of 
this Agreement  becomes invalid  under  applicable  law, the remainder  of this 
Agreement will remain valid and in effect. If your Account is subject to a law 
setting  maximum  loan,  rates,  fees or charges which  is finally  interpreted  so 
that the charges on your Account would  exceed permissible  limits, then any 
such charge will be reduced (including retroactively) to permitted  limit  and any 
amounts collected from you exceeding those limits  will be refunded to you. 

22.   Delayed  Enforcement.  We can delay  enforcing  any of our rights under this 

Agreement without  losing any of them. 

23.   Assignment.  We may  at any  time, and without  notice to you, sell, assign or 
transfer  your  Account,  any  amount  due  on your  Account,  this Agreement  or 
our rights and obligations under your Account or this Agreement to any person 
or entity.  The person  or entity to whom  we make any such sale, assignment 
or transfer  is entitled  to all of our rights  and subject  to all of our obligations 
under this Agreement, to the extent sold, assigned or transferred. 

24.   Cancellation.  Even if you  are  not in Default,  we may  at any  time (a) reduce 
your  Total  Credit  Limit and Cash  Advance  Limit, (b)  close  your  Account,  (c) 
cancel  or suspend  your privileges  to make further Purchases  and Balance 
Transfers  or obtain  Cash  Advances,  or (d)  cancel  or suspend  any Account 
privileges  or benefits.  We can also reissue a different  Card to you at any time. 

When your  Account  is closed, you must  contact  anyone authorized to charge 
transactions to your Account, such as Internet service providers, health clubs 
or  insurance   companies.   These  transactions   may continue  to  be  charged 
to your Account  until you change  the billing. Also,  if  we believe  you have 
authorized a transaction or are attempting  to use your  Account  after  you have 
requested to close  the Account,  we may allow  the transaction to be charged 
to your  Account  and  you  will be responsible for payment  under the terms of 
this Agreement. 

If you open a Joint  Account, any one of you who is a Joint Account holder may 
close  your  Account  at any time by (i) sending  a written  request to close  your 
Account  signed  by that person  to: Credit  Card  Services  –  Customer  Service, 
P.O.  Box  7092, Bridgeport,   CT 06601 or (ii) calling   TOLL  FREE 1-800-426- 
1114. We  may immediately  close your Account  after we  receive  such a 
request  without  giving  notice  to the other  Joint Account  holders.  You agree 
you will not hold us responsible for any costs,  damages or inconvenience you 
suffer  as a result of the closing of your Account by any Joint  Account holder. 

If you or any Joint Account  holder  closes  your  Account  or if  we close  your 
Account,  you  may  not make  any  further  Purchases and  Balance  Transfers  or 
obtain  Cash Advances.  If you  use  your  Account  and  we either by mistake or 
otherwise extend credit to you after your Account has been closed, you remain 
responsible  for paying  those  charges.  If we, you,  or a Joint Account  holder 
closes  your Account,  we may, at our option,  require  you to pay the entire 
Balance of your Account at once or permit  you to pay the  Balance in monthly 
payments  as provided  in this Agreement  or otherwise  as we determine.   We 
will not charge  your Account  an Annual  Membership   Fee  after it  is closed. 
Other  Account  Fees  such  as a Late  Payment  Fee  will  apply,  as applicable. 
If any Joint Account  holder  decides  to close  your Account  after the Annual 
Membership  Fee is billed, we will remove the fee from your Account provided 
your Account  is closed  within 30 days  after we mailed  your Statement  on 
which the fee was charged to your Account.  You may pay any Balance due on 
your Account in full at any time. 

25.   Questions. Write to: Credit Card Services – Customer  Service,  P.O. Box 7092, 
Bridgeport,   CT  06601 or call TOLL  FREE  1-800-426-1114  if  you have  any 
questions  about  your Account  or this Agreement.   A  telephone   call will  not 
preserve your rights under federal law. 

26.   Force  Majeure.  Except as otherwise  required  by applicable law, we are  not 
responsible  and  will incur no liability  to you for any failure, error, malfunction 
or any delay  in carrying  out any of our obligations  under  this Agreement  if 
any such  failure,  error,  malfunction  or delay results  from  causes beyond our 
reasonable control. 

27.   Credit  Reporting  Notice,  Messages  and Liability.  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.  You 
authorize  us to collect information  about  you including  credit reports  from 
consumer  reporting  agencies.  If  you believe  we have  furnished  inaccurate 
or incomplete  information  about  you or your Account  to  a credit reporting 
agency,  write  to us at:  Disputes,  P.O. Box 7092,  Bridgeport,   CT 06601.  Please 
include your name, address, home phone number  and Account number,  and 
explain  what you believe  is inaccurate  or incomplete.   You  agree  to accept 
calls or text messages from us, or anyone acting on our behalf, to any number 
you  provide  or to any  number  at which we reasonably  believe  that we may 
contact  you (including  calls and text messages to mobile, cellular and similar 
devices).   You agree that  the  calls  may  be  monitored  and/or  recorded  or may 
use  autodialing  and/or  recorded  messages.  You  agree  that calls  concerning 
your  Account  are not  unsolicited.  You also  agree to receive emails from  us to 
any  address  where  we reasonably  believe  that we may  contact  you.  We are 
not liable for any refusal  to honor  your  Account.  This can  include  a refusal to 
honor  your  Card or Account or any check written  on any transaction  on your 
Account.  We  are not liable for any retention  of your Card  by us, any other 
financial institution, or any provider  of goods or services. 

We  cannot  ensure  against  unauthorized  inquiries   about or access  to  your 
Account or Account  information.  You agree  that  so  long  as we are complying 
with applicable law and regulation that we will not be responsible or liable for 
the  release of information to anyone who  has  gained  access  to your Account 
or Account information. 

28.   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  Card 
Services – Disputes,  P.O. Box 7092,  Bridgeport,  CT 06601-3211 

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. 

224400W L_M836-1.indd   2 

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CustomCash   CHA III (L) - 1/13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When It Applies 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Annual Fee 
Transaction Fees 
• Balance Transfer 

• Cash Advance 

12.99%. This APR will vary with the market based on 
LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
12.99%. This APR will vary with the market based on LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
21.99%. 
This APR will vary with the market based on LIBOR.* 
Up to 29.99%. 
This APR may be applied to your account if you: 
(1) Fail to make the minimum payment by the payment due 
date; 
(2) Exceed your Cash Advance Limit or your Total Credit Limit; 
(3) Provide false information to us; 
(4) Use the Account for an illegal transaction; 
(5) Do not pay debts (including other accounts with us) when 
due; 
(6) Make a payment that is returned or dishonored, or; 
(7) Fail to keep a promise under the agreement or we believe 
you will not keep a promise, including making payments. 
How Long Will the Penalty APR Apply? If your APRs are 
increased due to any default (as described above), the Penalty 
APR will apply indefinitely. 
Your due date is at least 21 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date of each month. You will 
pay interest on Cash Advances, Balance Transfers and 
Convenience Checks from the transaction date. 
If you are charged interest, the charge will be no less than 
$1.50. 
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 

$85 

Either $10 or up to 4% of the amount of each transfer, 
whichever is greater. 

Cash Loans, ATM Loans, and Convenience Checks: Either 
$10 or up to 3% of the amount of each advance, whichever is 
greater. 

Cash Equivalent Transactions: Either $20 or 5% of the amount 
of each advance, whichever is greater. 

• Foreign Transaction 
Penalty Fees 
• Late Payment 
• Returned Payment 
• Over-the-Credit Limit 

None 

Up to $35 
None 
None 

How We Will Calculate Your Balance: We use a method called “average daily balances (including new purchases).” See Cardholder 
Agreement for more details. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if any event included in the description of above 
Penalty Rate applies. 

* Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index 
to a margin of 12.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 
percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the 
northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest 
one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR 
published on the next business day. 

The information about the costs of the card described in this application is accurate as of December 31, 2014. This information may have 
changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write us at Credit Card Services, P.O. Box 
7092, Bridgeport, Connecticut 06601-7092.