CARDMEMBER AGREEMENT 
Sprint® Credit Card 

This agreement, together with the account opening disclosures delivered to you (collectively, this “Agreement”), is your contract with 
us.  The Bank of Missouri (“TBOM”) is the issuer of your Card and assigns its rights for servicing and other rights to Home Credit US, 
LLC (“Home Credit”) after Account opening. “Card” has the meaning given in the DEFINITIONS section of this Agreement. “Account” 
means the account established for you and associated with your Card.  “You” and “your” mean any applicant for the Account; and 
“we,” “us” and “our” mean TBOM, the issuer of the Card governed by this Agreement; Home Credit as servicer; and their respective 
successors and assigns.  Other capitalized terms used in this Agreement are defined in the DEFINITIONS section of this Agreement, or 
in other parts of this Agreement.  Terms defined in this Agreement in the singular are to have a corresponding meaning when used in 
the plural, and terms defined in this Agreement in the plural are to have a corresponding meaning when used in the singular.   

You accept this Agreement if you do not cancel your Account within 30 days of account opening. You also accept this Agreement if 
you or an Authorized User utilize your Account or otherwise obtain credit under your Account.  

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION.  THIS PROVISION AFFECTS YOUR RIGHTS IN THE EVENT OF A DISPUTE 
WITH US, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION LAWSUIT.  THE ARBITRATION PROVISION IS AT 
THE END OF THIS AGREEMENT. 

Please read this Agreement carefully and save it for future reference. This Agreement supersedes and replaces any other agreement 
between us regarding the matters covered by this Agreement. 

CHANGES TO THIS AGREEMENT   

We may change the rates, fees, and other provisions of this Agreement from time to time. In doing so, we may increase or decrease 
interest rates and fees, and we may add, modify or delete other provisions. We may also add new features and make promotional 
offers.  To the extent required by law, we will give you notice of any changes to this Agreement and, for certain changes, you will 
have a right to opt out of those changes.  

DEFINITIONS 
As used in this Agreement:  

“APR” means annual percentage rate. 

“Authorized Charge” means any charge that you, or any Authorized User, makes on your Account, and any fees and interest charges 
owing on your Account. This is true even if you told the Authorized User not to make the charge. A charge will still be an Authorized 
Charge even if it is an illegal transaction (like illegal gambling charges), or it puts you over your Credit Limit, or it is  made after your 
Account is closed. An Authorized Charge can be made over the telephone, in person, on the Internet, or in any other way that your 
Account can be used. 

“Authorized User” means any person you allow to use your Card or Account. If you ask us to issue a Card to another person, that 
person is an Authorized User. In addition, if you give your Card or Account number to another person, that person is an Authorized 
User. 

“Balance Subject to Interest Rate” means the average of the daily balances during the Billing Cycle.  

“Balance Transfer” means a charge to pay an amount you owe on another credit card account. 

“Billing Cycle” means the time interval covered by a Statement. Each Billing Cycle is approximately 30 days. 

“Calculated New Balance” means the New Balance minus any balance for any applicable Equal Payment Features. 

“Card” means one or more credit cards or other access devices that we may give you to obtain credit under this Agreement. This 
includes Account numbers.  

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“Cash Advance” means the use of your Account to obtain cash from participating automated teller machines, financial institutions or 
other locations, or to purchase lottery tickets, moneys, casino chips or similar cash equivalents. 

“Check” or “Convenience Check” means a check that we provide to you to make a Cash Advance or a Balance Transfer as applicable 
on your Account. A Check can be either a Balance Transfer Check or a Cash Advance Check and will be designated as such by us. 

“Credit Limit” means the maximum amount of credit we have approved for your Account.   

“Equal Payment Feature” or “EPF” is defined in the HOW INTEREST CHARGES ARE DETERMINED section of this Agreement. 

“Minimum Payment Due” is defined in the PAYMENTS section of this Agreement. 

“New Balance” means the total outstanding Account balance on the Statement Closing Date. 

“Pricing  Schedule”  means  the  interest  rates  and  fees  table  and  related  information  contained  in  the  account  opening  disclosures 
previously provided to you, or as we may later amend it. 

“Prime Rate” means the U.S. prime rate published in The Wall Street Journal. If The Wall Street Journal ceases publishing the U.S. 
prime rate, we will use a similar published rate that we choose. 

“Purchase”  means  the  use  of  your  Card  to  buy  or  lease  products  or  services.  A  Purchase  does  not  include  the  purchase  of  cash 
equivalents or other items that constitute a Cash Advance. 

“Sprint” means Sprint Corporation, and all affiliates and subsidiaries of Sprint Corporation, provided that, for the purposes of this 
Agreement, Home Credit shall not be deemed to be an affiliate of Sprint.  

“Statement” means the periodic statement reflecting Purchases and other transactions made on your Account. 

“Statement Closing Date” means the last day of a Billing Cycle. 

USING YOUR ACCOUNT 
You agree to use your Account in accordance with this Agreement. You must pay us for all amounts due on your Account. Your Account 
must only be used for lawful personal, family, or household purposes. 

Authorized Users. You may designate one or more persons to be an Authorized User of your Account and/or Card. Authorized Users 
do not have accounts with us but they can use your Account subject to the terms of this Agreement. You must share this Agreement 
with the Authorized Users. You must tell Authorized Users that we may obtain, provide and use information about them. You are 
responsible for all use of your Account by Authorized Users and anyone they allow to use your Account, and for all charges made by 
such persons, even if you did not expect or specifically approve such charges. You must pay for all charges they make. You may request 
additional cards for Authorized Users. If you want to cancel an Authorized User’s right to use your Account (and cancel their Card) you 
must  tell us in writing or call customer service at 855-846-8048. We will take commercially reasonable steps to comply with your 
written instructions to revoke the authority of an Authorized User, which may include replacing your Card with a new Card or changing 
your Account number. 

Joint Accounts. If this is a joint Account, each of you is responsible, both individually and together, for all amounts owed. Each of you 
is responsible even if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even 
if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. 
Your Account status will continue to be reported to credit bureaus under each of your names. The delivery of notices or Statements 
to either of you serves as delivery to each of you. We may rely on instructions given by either of you. We are not liable to either of 
you for relying upon such instructions. 

Credit Limit; Generally. Your Credit Limit will appear on your Statement. If we offer Balance Transfers or Cash Advances as a feature 
on your Account, your Credit Limit may vary by transaction category (e.g., Purchases, Balance Transfers, Cash Advances). We may 
increase, decrease or otherwise change your Credit Limit at any time for any reason, as permitted by applicable law. If we are required 
by applicable law to do so, we will notify  you of any change, but  the change may take effect before you receive the notice. Your 
Statements will also show your Credit Limit.  You should always keep your balance below the Credit Limit However, you must pay us 

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even if your balance exceeds your Credit Limit. If your balance exceeds your Credit Limit, you must immediately pay the difference. If 
your Account has a credit balance, we may reduce the credit balance by any new Authorized Charges on your Account.   

Credit Access; Special Restrictions. We may delay issuance of a physical credit card to you until we have evaluated your payment 
behavior.  Your  Account  will  be  reviewed  from  time  to  time  based  upon  payment  history  and  other  factors  to  determine  when  a 
physical card will be issued. Issuance of a physical card may be delayed until you have timely paid the Minimum Payment Due for at 
least the first three Statements after your Account is first used. 

Balance  Transfers,  Cash  Advances.  If  we  offer  to  make  Balance  Transfers  and/or  Cash  Advances  a  feature  of  your  Account,  the 
documents  accompanying  the  offer  will  describe  the  terms,  including  the  applicable  APR  and  other  fees  and  charges.  Unless  a 
promotional rate applies, any Balance Transfers are subject to the standard Balance Transfer APR contained in the Pricing Schedule if 
we offer Balance Transfers as a feature on your Account.  

Checks. If we offer Balance Transfers or Cash Advances as a feature of your Account, we may provide you with Balance Transfer or 
Convenience checks. You may use them to transfer a balance to your Account or, if so indicated in any Balance Transfer offer, to make 
other transactions. You may not use Balance Transfer checks to pay an amount owed to us under this Agreement or to pay another 
account with us or our affiliate. We do not certify these checks or return any checks that have been paid.  

Statement. Your Statement will show the New Balance. To determine the New Balance, we begin with the total balance at the start 
of the Billing Cycle. We add any Purchases or other debits and subtract any payments or other credits during the Billing Cycle. We then 
add any interest charges and fees and make any other adjustments.  

We will deliver Statements as required by applicable law to you at your address shown in our files, and you must notify us of a change 
in  address.  If  you  elect  to  receive  Statements  and  other  communication  electronically,  we  may  send  those  Statements  and 
communications as directed by you. We may stop sending you Statements if we deem your Account uncollectible or start collection 
proceedings, but we may continue to add interest, fees, and attorney fees as permitted by applicable law.  

Lost or Stolen Cards or Account Numbers. You must call us at 855-456-8048 if any Card or Account number is lost or stolen. You must 
also call us if you think someone used or may use any Card or Account number without permission. When you call, we may require 
you to provide information to help our investigation. We may require you to provide this information in writing. For example, we may 
ask you to identify any charges that were not made by you or someone authorized by you. We may also ask you to confirm that you 
received no benefit from those charges.   See the “Your Billing Rights” disclosure provided when you opened your Account and included 
on your Statements.  

Closing Your Account. You may close your Account by notifying us in writing or over the phone. If you close your Account, you must 
still repay the total balance in accordance with this Agreement. We may also close your Account or suspend Account privileges at any 
time for any reason. We may do this without prior notice to you, to the extent permitted by applicable law. We may also reissue a 
different Card at any time. You must return any Card to us upon request.  

Network Outages. Our services may be unavailable from time to time, including due to circumstances beyond our control, such as 
fires, floods, earthquakes and other unpredictable events. We are not responsible or liable if this happens. 

HOW INTEREST CHARGES ARE DETERMINED 

APRs  
Account APRs. See the Pricing Schedule for information about the APRs that apply to your Account. 

Variable APRs Based on Prime Rate. Variable APRs are based on the Prime Rate plus an additional amount (the “Margin”). The Margins 
appears in the Pricing Schedule. For each Billing Cycle, we calculate Variable APRs based on the Prime Rate published in The Wall Street 
Journal on the 15th of the month prior to that Billing Cycle. If the Prime Rate increases, Variable APRs may increase. If the Prime Rate 
decreases, Variable APRs may decrease. We apply APRs to your Account balances according to the provisions below, subject to any 
promotion(s) or special credit feature(s) that may apply.  

Effect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well.  

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Promotions & Special Credit Features  
We may offer promotional terms or special credit features for new transactions or for all or a part of any balances. Promotional offers 
and special credit features are generally governed by this Agreement, but promotional offers and special credit features may  apply 
only  for  a  limited  period  of  time  or  have  different  terms.  Promotional  or  special  credit  terms  that  differ  from  the  terms  of  this 
Agreement will be explained in advertising or other disclosures provided to you.  

If a promotional offer is a deferred interest offer (sometimes called a “Same-As-Cash” plan), no interest charges will be imposed on 
the related balance (the “Deferred Balance”) if you: (i) pay the Deferred Balance in full by the due date specified in the promotion; 
and (ii) make the required Minimum Payment Due each month. We will impose interest charges on the Deferred Balance at the APR 
for regular Purchases from the date of purchase if you do not: (i) pay the Deferred Balance in full by the due date; or (ii) make the 
required Minimum Payment Due every month. 

In instances where a special credit feature is an EPF, interest will be charged at the APR specified in the EPF information document 
provided to you, and monthly payments (“Monthly EPF Payments”) will be required until the amount subject to the EPF has been paid 
in full.  If you miss a Monthly EPF Payment or pay after the due date, a late fee will apply. 

Interest Charges Based on APRs  
Interest Charges. We impose interest charges when we apply APRs to your Account balances. We do this every day by using the daily 
periodic rate (the “Daily Periodic Rate”), which is calculated by dividing the APR by 365 (366 in leap years). We begin to impose interest 
charges on the date that the purchase was made (the “Transaction Date”). We include this periodic interest charge in our calculation 
of your daily balance for that day.  For more information on your daily balance, see “Calculation of Interest Charges — Average Daily 
Balance (including new transactions)” below.  We continue to impose interest charges until we credit your Account with full payment 
of the total amount you owe us.  

Grace Period and When Interest Charges Begin. We calculate your interest  charges separately for Purchases, Cash Advances and 
Balance Transfers.  Unless a promotional offer applies, there is no Grace Period for Cash Advances, which means that we will charge 
interest on Cash Advances beginning on the Transaction Date. 

You can avoid interest charges on Purchases. This is called a “Grace Period on Purchases.” The Grace Period on Purchases is at least 
22 days from the end of the applicable Billing Cycle. To receive a Grace Period on Purchases, you must pay the entire New Balance by 
the payment due date every Billing Cycle. If you do not, you will not receive a Grace Period on Purchases until you pay the New Balance 
for two Billing Cycles in a row.  

You can avoid interest charges on Balance Transfers. This is called a “Grace Period on Balance Transfers.” The Grace Period on Balance 
Transfers is at least 22 days from the end of the applicable Billing Cycle. To receive a Grace Period on Balance Transfers, you must pay 
the entire New Balance by the payment due  date every Billing Cycle. If you do not, you will not receive a Grace Period on Balance 
Transfers until you pay the New Balance for two Billing Cycles in a row. 

We charge interest on Cash Advances beginning on the transaction date. 

If you have a balance that is subject to a deferred interest promotion (sometimes called a “Same-As-Cash” plan) and the promotion 
does not expire before the payment due date, that balance is excluded from the amount you must pay in full to get a Grace Period for 
regular (non-promotional) Purchases. In addition, if you have a balance that is subject to a reduced rate promotion, that balance is 
excluded from the amount you must pay in full to get a Grace Period for regular (non-promotional) Purchases. However, you must still 
pay any monthly minimum payments on any deferred interest or reduced rate balance.  

You will be allowed to have a Grace Period on Purchases and a Grace Period on Balance Transfers so long as you pay the entire New 
Balance, other than the entire EPF balance in excess of the EPF Monthly Payment, by the payment due date every Billing Cycle. If you 
do not, you will not receive a Grace Period on Purchases or a Grace Period on Balance Transfers until you pay the New Balance for two 
Billing Cycles in a row. 

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In addition, certain promotional offers not described above may also allow you to have a Grace Period on Purchases or a Grace Period 
on Balance Transfers without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, 
the documents accompanying the promotional offer will describe what happens.  

Calculation of Interest Charges  — Average Daily Balance (including new transactions). We calculate interest  charges each Billing 
Cycle. To calculate your balance for purpose of charging interest at the end of each Billing Cycle, we use a method called “Average 
Daily Balance (including new transactions).”  This method involves a two-step calculation.     

First, we calculate your daily balance for each transaction category offered as a feature on your Account (e.g., Purchases, different 
promotional balances, etc.) by:  

1) taking the beginning balance and adding in new transactions, then  
2) subtracting any payments and credits for that transaction category as of that day.  

The result is the daily balance for each transaction category. If you paid your previous month’s balance in full (or if your balance was 
zero or a credit amount), then any new Purchases, and any other transactions that are subject to a Grace Period, are not added to the 
daily balance.  

Second, we calculate your Average Daily Balance by:  

1) adding the daily balances together for each transaction category, and  
2) dividing the sum by the number of days in the Billing Cycle.  

After we calculate your Average Daily Balance at the end of each Billing Cycle, we determine your interest charge by:  

1) multiplying your Average Daily Balance by the Daily Periodic Rate for that transaction category, and  
2) multiplying the result by the number of days in the billing period.  

NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.  We may 
treat any deferred interest transaction separately even if it has the same terms as another deferred interest transaction.  

Minimum Interest Charge. If we charge you interest, the charge will be at least $1. We add the charge to the regular Purchase balance 
or allocate it among one or more of the balances that accrue interest.  

Balance Subject to Interest Rate. Your Statement shows a Balance Subject to Interest Rate. It shows this for each different balance 
(e.g., Purchases, different promotional balances). A Billing Cycle begins on the day after the Statement Closing Date of the  previous 
Billing Cycle. It includes the Statement Closing Date of the current Billing Cycle.  

FEES 
See the Pricing Schedule for any additional fees. 

Annual Membership Fee. If an annual membership fee applies, the Pricing Schedule shows it. We will refund this fee if you notify us 
that you are closing your Account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is 
otherwise non-refundable.  

Automated Teller Fee. If we offer Cash Advances as a feature of your Account, and you use an Automated Teller Machine (“ATM”) for 
a Cash Advance, you will be responsible for all fees associated with the transaction.  

Balance Transfers. If we offer Balance Transfers as a feature of your Account, we will charge a fee for each Balance Transfer. The offer 
to make Balance Transfers a feature of your Account will state the fee. This fee is in addition to any periodic fee that may be imposed 
with a promotional offer or special credit feature. You make a Balance Transfer when you use a Balance Transfer check or contact us 
to transfer a balance. Should you request a stop payment on any Balance Transfer checks, we will charge you twenty-five dollars ($25) 
for our handling of such a request. 

Cash Advance. If we offer Cash Advances as a feature of your Account, we will charge a fee for each Cash Advance. The offer to make 
Cash Advances a feature of your Account will state the fee. This fee is in addition  to any periodic fee that may be imposed with a 
promotional offer or special credit feature. You take a Cash Advance when you: use a convenience check; get money through an ATM; 

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get money through home banking or a financial institution; make a wire transfer; buy a money order or traveler’s check; or conduct a 
similar transaction.  

Transaction Fee for Foreign Purchases. The Pricing Schedule shows the amount of this fee, which is a percentage of the U.S. dollar 
amount of the Purchase. We add this fee for each Purchase made outside the U.S., whether made in U.S. dollars or in foreign currency. 
See the Foreign Currency Conversion section below for more information. 

Late Fee. We may add a late fee for each Billing Cycle in which you have a past due amount (“Past Due Amount”). For late fee purposes, 
you have a past due payment any time you fail to pay the Minimum Payment Due by the payment due date. The fee will be up to $27; 
or up to $38 for any additional past due payment during the next six billing cycles after a past due payment. However, the fee will not 
exceed the amount permitted by applicable law. We add this fee to the regular Purchase balance.  

Returned Payment Fee. We may add a returned payment fee for a returned payment. A returned payment is an electronic debit, 
check, or similar payment instrument that is returned unpaid. We may add this fee the first time your payment is returned, and even 
if your payment is honored upon resubmission. The fee will be up to $35. However, the fee will not exceed the amount permitted by 
applicable law. We add this fee to the regular Purchase balance.  

Statement Reprint Fee. Should you need additional copies of Statements, we will provide one reprint every six months at no charge 
(“Complimentary Statement Reprint”). Should you require additional copies, we may charge you five dollars ($5) (“Statement Reprint 
Fee”) for each reprint in excess of the Complimentary Statement Reprint. We reserve the right to waive the Statement Reprint Fee at 
our sole discretion. 

Sales  Draft  Reprint  Fee.  Should  you  need  a  copy  of  any  sales  draft,  we  will  provide  one  reprint  every  six  months  at  no  charge 
(“Complimentary Draft Reprint”). Should you require additional copies, we may charge you five dollars ($5) (“Sales Draft Reprint Fee”) 
for each reprint in excess of the Complimentary Draft Reprint. We reserve the right to waive the Draft Reprint Fee at our sole discretion. 

Legal Disclosure Reprint Fee. Should you need additional copies of the legal disclosures provided to you at time of account opening, 
we will provide one reprint at no charge (“Complimentary Disclosure Reprint”). Should you require additional copies, we may charge 
you five dollars ($5) (“Disclosure Reprint Fee”) for each reprint in excess of the Complimentary Disclosure Reprint. We  reserve the 
right to waive the Disclosure Reprint Fee at our sole discretion. This is inclusive of, but not limited to, account opening disclosures, the 
privacy policy, and this Agreement. 

PAYMENTS 
Making Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment 
Due on your Account by 5:00 p.m. (CT) on the due date of each Billing Cycle. Payments received after 5:00 p.m. (CT) will be credited 
as of the next business day. In general, the sooner you pay the New Balance the less you will pay in interest charges.  

The “Minimum Payment Due” is the minimum amount you must pay for each Billing Cycle, and is the sum of the following:  

(1)  Any Past Due Amounts and over-limit amounts; plus 
(2)  the Calculated New Balance  (excluding the portion attributable to over-limit amounts) plus your total monthly payments 
relating to Purchases with an EPF if the sum of the Calculated New Balance (excluding the portion attributable to over-limit 
amounts) and the total monthly payments relating to Purchases with an EPF is less than $25; or the greater of: 

a.  $25; or 
b.  3% of the Calculated New Balance (excluding the portion attributable to over-limit amounts) plus the amount of 
your  billed  interest  charges  on  that  balance  or  any  minimum  interest  charge  allocated  to  that  balance, plus  any 
applicable  late  fee  (the  result  is  rounded  up  to  the  nearest  dollar)  plus  your  total  monthly  payment  relating  to 
Purchases with an EPF. However, we subtract interest charges that accrued during prior Billing Cycles on a deferred 
interest balance that ended during the Billing Cycle covered by the Statement.  

Application of Payments. We may apply payments and credits in any manner we choose, including in a manner that is most favorable 
or convenient to us. In all cases, we will apply payments and credits as required by applicable law. Generally, we will apply payments 
that exceed the Minimum Payment Due to balances with the highest APR before balances with lower APRs as of the date we credit a 
payment.   

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Payment Instructions. You can pay by mail, phone, online, or at locations as identified by us in your Statement or other communication 
channels. Locations that take payments from you do so as a convenience to you. We may not credit those payments to your Account 
until we receive them. We may allow you to make payments over the phone but we may charge you a fee to make expedited phone 
payments.  You must follow the instructions for making payments provided on your Statement. If you do not, posting of your payment 
may be delayed. Your Statement also explains how information on your check is used. Your payment must be made in U.S. dollars by 
physical or electronic check, money order or a similar instrument from a bank located in the United States. Do not send cash. We can 
accept late or partial payments, or payments that reflect “paid in full” or other restrictive endorsements, without losing our rights. We 
also reserve the right to accept payments made in foreign currency and instruments drawn on funds on deposit outside the U.S. If we 
do, we select the currency conversion rate. We  will then credit your Account  in U.S. dollars after deducting any costs incurred in 
processing your payment, included currency conversion fees, or we may bill you separately for these costs.  

Payment Processing. We may accept and process payments without losing any of our rights. Please allow seven to ten days for the 
U.S. Postal Service to deliver your payment to us. We may delay the availability of credit while we confirm that your payment has 
cleared.  This  may  happen  even  if  we  credit  your  payment  to  your  Account.  We  may  resubmit  and  collect  returned  payments 
electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed payments and handle similar 
issues. When you provide a check as payment on this Account, you authorize us to either use the information from your check to make 
a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information 
from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive 
your payment, and you will not receive your check back from your financial institution. 

DEFAULT 
To the extent permitted by applicable law, you will be in default under this Agreement if you: (a) fail to pay the Minimum Payment 
Due by its due date; (b) exceed your Credit Limit; (c) pay by a check or other payment item (including an electronic check or debit) 
that is not honored or that we must return because it cannot be processed; (d) file for bankruptcy; or (e) fail to comply with any terms 
of this Agreement. If you default, we may close your Account and, to the extent permitted by applicable law, demand immediate 
payment of the total balance.  

OTHER IMPORTANT TERMS 

Foreign Currency Conversion  

If you make a transaction in a currency other than U.S. dollars, the amount of the transaction will be converted by the applicable 
network  provider  (e.g.,  MasterCard  or  Visa)  to  U.S.  dollars  in  accordance  with  the  network  provider’s  operating  regulations  or 
conversion procedures then in effect. Currently, those regulations and procedures generally provide that the currency conversion rate 
to be used will be either a wholesale market rate selected by the network provider or a government-mandated rate. The currency 
conversion rate in effect on the conversion date may differ from the rate in effect on the transaction date or the posting date. The 
currency conversion rate does not include any foreign transaction fee we may charge, as described in the FEES section above and 
disclosed in our Pricing Schedule. 

A third party may convert a transaction into U.S. dollars or another currency before sending it to our network provider. In that case, 
the third party selects the conversion rate.  

Obtaining Credit Information  

When you applied for your Account, you authorized us to make or have made any credit, employment, or other investigative inquiries 
we deemed appropriate (including, without limit, obtaining a consumer report) prior to extending credit to you. You also authorized 
us to make such inquiries and obtain consumer reports when renewing, updating, or collecting on your Account in the future. Upon 
your  request,  we  will  tell  you  whether  we  obtained  a  consumer  report  and  the  names  and  addresses  of  any  consumer  reporting 
agencies that provided such reports. 

Furnishing Information to Credit Reporting Bureaus  

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. We may report Account information in your name and the names of Authorized Users.  

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If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the Statement. We will 
investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau 
to which we reported and request a correction. If we disagree with you, we will tell you that.  

Information Sharing and Communication Consent 

When you applied for your Account, you gave us, our partners and affiliates information about yourself that we could share with each 
other. Our partners and affiliates may use the information in connection with the credit program and for things like creating and 
updating records and offering you special benefits. More information about how we use and share information is set forth in the 
privacy policy for your Account. 

You consent to us, as well as any other owner or servicer of your Account, contacting you through any channel of communication and 
for any purpose, as permitted by applicable law. For informational, servicing or collection related communications, you agree that we 
may use the phone numbers that you provide to us, or our partners and affiliates to contact your cellular phone or wireless device 
with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. This consent applies 
even  if  you  are  charged  for  the  call  under  your  plan.  You  are  responsible  for  any  charges  that  may  be  billed  to  you  by  your 
communications carrier when we contact you. You represent that any phone number that you provide to us belongs to you and/or 
that you are authorized to provide that number. You also agree to tell us right away if you change your address or any phone number. 
For quality control, you also agree to allow us to monitor to and/or record telephone calls between you and us.  

Refusal of the Card and Related Provisions  
Refusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not approved. This is 
true even if you have available credit. We may limit the number of transactions approved in one day. If we detect unusual or suspicious 
activity, we may suspend your credit privileges.  

Declined Transactions. We may decline to authorize a charge. Reasons we may do this include suspected fraud and our assessment 
of your creditworthiness. This may occur even if the charge would not cause you to exceed your Credit Limit, or your Account is not in 
default. We are not responsible for any losses you, any Authorized Users, or any third party incur if we do not authorize a charge. We 
are not responsible if any merchant or other person refuses to accept your Card. 

Preauthorized Charges. We may suspend any automatic or other preauthorized card charges you arrange with a third party. We may 
do this if you default, if the card is lost or stolen, or if we change your Account for any reason. If we do this, you are responsible for 
paying the third party directly. You are also responsible for reinstating the preauthorized charges if you wish to do so and we permit 
it.  

Military Lending Act Disclosure:  
Federal  law  provides  active  duty  members  of  the  armed  forces  or  those  on  active  Guard  or  Reserve  duty  or  dependents  of  such 
members as defined by 10 U.S.C. §1072 certain protections. Your payment obligations are provided within this Agreement. Home 
Credit hereby disclaims and waives provisions in this document requiring such members and eligible dependents to: (i) waive the right 
to consumer protection law, including the Servicemembers Civil Relief Act; (ii) submit to mandatory arbitration; and (iii) establish an 
allotment to repay the obligation. Except as explicitly amended by this section, all of the terms and conditions of the Agreement shall 
remain in full force and effect. 

Pursuant to the Military Lending Act (10 U.S.C. §987, “MLA”) and the implementing Department of Defense (“DoD”) regulation (32 
C.F.R. §232.1 et seq.), we must provide you with the following disclosure in writing: 

MILITARY ANNUAL PERCENTAGE RATE DISCLOSURE 

Federal law provides important protections to active duty members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a 
member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 
36 percent. This rate must include, as applicable to the credit transaction or account: The costs 
associated with credit insurance premiums; fees for ancillary products sold in connection with the 
credit transaction; any application fee charged (other than certain application fees for specified credit 
transactions or accounts); and any participation fee charged (other than certain participation fees for 
a credit card account).   

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If you have any questions regarding this information or need to verify your notify us for inclusion in these protections, please contact 
us at (855) 456-8048. To ascertain whether you are a covered borrower for purposes of the MLA’s protection, we will utilize either the 
MLA database maintained by the DoD or consumer reports from a nationwide credit reporting agency.   

Other Agreements 
You will abide by all terms, conditions, covenants, and agreements applicable to the use of your Account, including, but not limited 
to, any agreement you may enter into with us and the terms and conditions contained on any sales slips, Cash Advance slips, monthly 
Statements, and any Card issued to you. Breach of any condition or obligation of this Agreement  by any other applicant  for your 
Account or any Authorized User shall be deemed a breach by you. 

GOVERNING LAW AND ENFORCING OUR RIGHTS  
Governing Law. Except as provided in the ARBITRATION section, this Agreement is governed by Missouri law, without regard to its 
choice-of-law  rules,  and  applicable  federal  law.  For  purposes  of  Mo.Rev.Stat  §408.145,  the  provisions  of  Nebraska  law,  and  not 
Mo.Rev.Stat  §408.140, will govern credit card fees (but  not  interest) under this Agreement. We have accepted this Agreement  in 
Missouri. 

If there is any conflict between any of the provisions of this Agreement and applicable law, this Agreement will be considered changed 
to the extent necessary to comply with the law. All other provisions of this Agreement will not be affected.  

Enforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail to enforce 
them.  

Collection Costs. To the extent permitted by applicable law, you are liable to us for our legal costs if we refer collection of your Account 
to a lawyer who is not our salaried employee. These costs may include reasonable attorneys’ fees. They may also include costs and 
expenses of any legal action.  

Servicing; Assignment. We may use one or more third parties (“Servicers”) to provide services in connection with your Account and 
we may delegate some or all of our duties to Servicers. We may also sell, assign, pledge, hypothecate, participate or otherwise transfer 
some or all of our rights under this Agreement, including our payment rights, to one or more third parties (“Assignees”). Any limitation 
on our liability under this Agreement or in connection with your Account shall also apply to any Servicer or Assignee, to the extent 
permitted by applicable law. You are not allowed to transfer any of your rights or obligations under this Agreement.  

Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up 
the same right in another situation. 

Binding Effect Upon Death or Incompetency. If we pay a merchant or financial institution for a Purchase or post a cash advance to 
your Account before we receive actual written notice of your death or incompetency, or if we pay a merchant or financial institution 
for a Purchase made by you or post a cash advance taken by you prior to your death or incompetency, that transaction will be a valid 
and binding Account obligation upon you, your estate, your trusts, your assigns, and your personal representatives. 

Headings. Section, paragraph or other headings in this Agreement are for convenience or reference only, and do not limit or modify 
the provisions of this Agreement. 

STATE NOTICES  
Notice to New York Residents:  New York residents may contact the New York State Department of Financial Services by telephone 
at or visit its website at for free information on comparative credit card rates, fees and grace periods. New York State Department of 
Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov 
Notice to New York, Rhode Island and Vermont Residents: A consumer credit report may be obtained in connection with evaluating 
your application and subsequently in connection with updates, renewals, or extensions of credit for which this application is made. 
Upon your request, you will be informed whether a report was obtained, and if so, of the name and address of the consumer reporting 
agency that furnished a report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal or 
extension of the credit for which application was made.  If you are a Vermont resident, you consent to the obtaining of such  reports 
by signing or otherwise submitting a credit application. 

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Notice to California Residents: A married applicant may apply for a separate Account. After credit approval, each applicant shall have 
the right to use the Account up to its Credit Limit. Each applicant may be liable for all amounts extended under the plan to any joint 
applicant. As required by applicable law, you are hereby notified that a negative credit reporting reflecting on your credit record may 
be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.  

Notice to Delaware and Oregon Residents: Service charges not in excess of those permitted by applicable law will be charged on the 
outstanding  balances  from  month  to  month.  You  may  pay  more  than  the  Minimum  Payment  Due,  up  to  your  entire  outstanding 
balance, at any time. 

Notice to Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.  

For Nevada residents only: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List 
by sending a request to Home Credit, PO Box 2394, Omaha, NE 68103-2394 or calling us at 855-456-8048.  Nevada law requires that 
we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 
555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: BCPINFO@ag.state.nv.us 

Notice to Ohio Residents: Ohio’s laws against discrimination require that all creditors make credit equally available to all creditworthy 
customers and require credit reporting agencies to maintain separate credit histories on each individual upon request. The Ohio Civil 
Rights Commission administers compliance with this law.  

Notice to Utah Residents:  As required by Utah law, you are hereby notified that a negative credit reporting reflecting on your credit 
record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

Notice to Married Wisconsin Residents: No provision of any marital property agreement or unilateral statement under section 766.59 
of  the  Wisconsin  statutes  or  court  decree  under  section  766.70,  adversely  affects  our  right,  unless  you  give  us  a  copy  of  such 
agreement, statement, or decree before we grant you credit, or we have actual knowledge of the adverse obligation. If you are a 
married Wisconsin resident, credit extended under this Account will be incurred in the  interest of your marriage or family. Married 
Wisconsin residents applying for an individual account must give us the name and address of their spouse, regardless of whether the 
spouse may use the card. Please provide this information to us at Home Credit, PO Box 2394, Omaha, NE 68103-2394. 

Notice to California and Nevada Residents: Pursuant to this Agreement, interest is compounded on unpaid amounts.  

Notice to Maryland Residents: To the extent this Agreement is not governed by applicable federal or Missouri law, this Agreement is 
governed by Title 12, subtitle 9 of the Maryland Commercial Law Article.  

ARBITRATION 
PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING 
ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO INITIATE 
OR  PARTICIPATE  IN  A  CLASS  ACTION  OR  SIMILAR  PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  AN  ARBITRATOR 
INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.  

Agreement  to  Arbitrate:  Either  you  or  we  may,  without  the  other’s  consent,  elect  mandatory,  binding  arbitration  for  any  claim, 
dispute, or controversy between you and us (called “Claims”).  

Claims Covered  
What Claims are subject to arbitration? All Claims relating to your Account, a prior related account, or our relationship are subject to 
arbitration,  including  Claims  regarding  the  application,  enforceability,  or  interpretation  of  this  Agreement  and  this  arbitration 
provision. All Claims are subject to arbitration, no matter what legal theory they are based on or what remedy (damages, or injunctive 
or declaratory relief) they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, your or our 
negligence, statutory or regulatory provisions, or any other sources of law; Claims made as counterclaims, cross-claims, third-party 
claims, interpleaders or otherwise; and Claims made independently or with other claims. A party who initiates a proceeding in court 
may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part 
of a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non-
representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis.  

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Whose Claims are subject to arbitration? Not only ours and yours, but also Claims made by or against anyone connected with us or 
you or claiming through us or you, such as a co-applicant or Authorized User of your account, an employee, agent, representative, 
affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy.  

What time frame applies to Claims subject to arbitration? Claims arising in the past, present, or future, including Claims arising before 
the opening of your account, are subject to arbitration.  

Broadest  interpretation.  Any  questions  about  whether  Claims  are  subject  to  arbitration  shall  be  resolved  by  interpreting  this 
arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal 
Arbitration Act (the “FAA”).  

What about Claims filed in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter 
remains in such court and advances only an individual (non-class, non-representative) Claim.  

What about debt collections? We and anyone to whom we assign your debt will not initiate an arbitration proceeding to collect a 
debt from you unless you assert a Claim against us or our assignee. We and any assignee may seek arbitration on an individual basis 
of any Claim asserted by you, whether in arbitration or any proceeding, including in a proceeding to collect a debt. You may seek 
arbitration on an individual basis of any Claim asserted against you, including in a proceeding to collect a debt.  

How Arbitration Works  
How does a party initiate arbitration? The party filing an arbitration must choose one of the following two arbitration firms and follow 
its rules and procedures for initiating and pursuing an arbitration: American Arbitration Association or JAMS. Any arbitration hearing 
that you attend will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to your current 
billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the 
arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:  

American Arbitration Association  
800-778-7879 (toll-free) 
Website: www.adr.org  

JAMS  
800-352-5267 (toll-free)  
Website: www.jamsadr.com  

At  any  time  you  or  we  may  ask  an  appropriate  court  to  compel  arbitration  of  Claims,  or  to  stay  the  litigation  of  Claims  pending 
arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails 
to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a 
later time or in connection with any other Claims.  

What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a 
lawyer with at least ten years’ experience or a retired or former judge, selected in accordance with the rules of the arbitration firm. 
The  arbitration  will  follow  procedures  and  rules  of  the  arbitration  firm  in  effect  on  the  date  the  arbitration  is  filed  unless  those 
procedures and rules are inconsistent with this Agreement, in which case this Agreement will prevail. Those procedures and rules may 
limit the discovery available to you or us. The arbitrator will take reasonable steps to protect customer account information and other 
confidential information if requested to do so by you or us. The arbitrator will apply applicable substantive law consistent  with the 
FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party 
any damages or other relief provided for under applicable law. You or we may choose to have a hearing and be represented by counsel. 
The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement of the reasons for the 
award. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the 
Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution of any 
other dispute.  

Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we pay; if you file, you pay, unless you get a fee waiver 
under the applicable rules of the arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse you for that 
fee. If there is a hearing, we will pay any fees of the arbitrator and arbitration firm for the first day of that hearing. All other fees will 

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be allocated as provided by the rules of the arbitration firm and applicable law. However, we will advance or reimburse your  fees if 
the arbitration firm or arbitrator determines there is good reason for requiring us to do so, or if you ask us and we determine there is 
good reason for doing so. Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expen ses, 
regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable 
law, so determines.  

Who can be a party? Claims must be brought in the name of an individual person or entity and must proceed on an individual (non-
class, non-representative) basis. The arbitrator will not award relief for or against anyone who is not a party. If you or we require 
arbitration of a Claim, neither you, we, nor any other person may pursue the Claim in arbitration as a class action, private  attorney 
general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. 
Claims,  including  assigned  Claims,  of  two  or  more  persons  may  not  be  joined  or  consolidated  in  the  same  arbitration.  However, 
applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as 
one person.  

When is an arbitration award final? The arbitrator’s award is final and binding on the parties unless a party appeals it in writing to the 
arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral 
arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules 
that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Costs will be allocated in 
the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after 
fifteen days has passed. A  final and binding award is subject to judicial review and enforcement  as provided by the FAA or other 
applicable law.  

Survival and Severability of Terms  
This arbitration provision shall survive: (i) termination or changes in the Agreement, your Account, or the relationship between you 
and us concerning your Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Account, or any 
amounts  owed  on  your  Account,  to  any  other  person  or  entity.  If  any  portion  of  this  arbitration  provision  is  deemed  invalid  or 
unenforceable, the entire arbitration provision shall not remain in force. No portion of this arbitration provision may be amended, 
severed or waived absent a written agreement between you and us.  

FOR FURTHER INFORMATION 
Call us toll-free for further information. Call the toll-free Customer Service telephone number shown on the Statement or on the back 
of your card. You can also call local or toll-free Directory Assistance to get our telephone number.  

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