Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases
APR for Cash Advances

How to Avoid Paying Interest 
on Purchases

Minimum Interest Charge

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

22.40% This APR will vary with the market based on the Prime Rate.
22.40% This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 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 each month.
NONE

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

SNP-D-0117(AFTI)

Fees

Annual Fee
Transaction Fees
  ● Cash Advance
  ● Foreign Transaction
Penalty Fees
  ● Late Payment
  ● Returned Payment

$50 per year

3% of each advance or a minimum of $5, whichever is greater.
2% of the transaction amount.

Up to $35
Up to $29

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Terms and Conditions

Important Information: Please take the time to read and save. 

PRESCREEN  &  OPT-OUT  NOTICE: You  were  selected  for  this  “prescreened”  offer  of  credit  because  the  credit 
bureau  gave  us  your  name  and  address  and  indicated  that  you  met  our  minimum  credit  criteria  (the  way  you 
maintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell the 
credit bureaus to stop using your credit information for this purpose. To make this request, you need to notify the 
credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax Options, P.O. 
Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA, 19094-0505, or call 
1-888-567-8688.

Important  Information  About  Procedures  For  Opening  a  New  Account:  To  help  the  government  fight  the  funding  of 
terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information 
that identifies each person who opens an account. What this means for you: When you open an Account, we will ask for your 
name, address, date of birth and other information that will allow us to identify you.

Qualify For Future Unsecured Credit: The initial credit limit is $500. You may qualify for a higher initial credit limit based on 
your debt-to-income ratio and credit profile. If you make all your payments on time, plus pay more than the minimum due each 
month, and subject to other conditions in effect from time to time including your debt-to-income ratio, you may be eligible to 
receive future credit limit increases. This allows you to increase your credit limit by establishing a good credit history with us. 
The maximum credit limit is $5,000. 

Privacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit 
some but not all sharing. All financial companies need to share customers’ personal information to run their everyday business. 
We do not share your personal information except as permitted by law to process your transactions, maintain your account(s), 
respond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We 
will provide a complete Privacy Notice when your account is approved. If you would like a copy of our Privacy Notice, you may 
obtain one by visiting our website at www.showcardcc.com.

Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email address.

Authorization / Notices: By filling out and submitting the application, you are requesting credit from us. You confirm that all 
information you provide to us is true and correct.

Credit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now 
and in the future, for any legitimate business purpose associated with the account or request for an account, including but not 
limited to reviewing, modifying, renewing or collecting on your Account. We may report information about your Account to credit 
bureaus. Late payments, missed payments, or other defaults on your Account may be reflected on your credit report. You and 
each authorized user agree that we may report account information to credit reporting agencies in the names of both you and 
the authorized user.

Optional PREMIUM Club Membership: This optional program offers participants access to an online shopping mall with cash 
back rewards, lost key protection and prescription, hotel and rental car discounts. The cost of this program is $4.95 per month 
and is included on your billing statement. Should you want to cancel, call Customer Service or write to The PREMIUM Club. 
Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of the membership 

and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The PREMIUM Club 
is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved. ©Copyright 2017, CAPITAL Enhancement 
Services, LLC.

Credit Card Contract and Initial Disclosure Statement 

Please read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of this 
contract when you sign your application. In the contract, “bank,” “we,” “our” and “us” refer to Bryant State Bank (Bryant, SD) and 
we are the creditor named in the application you signed. “You,” “your” and “applicant” are the person(s) who applied to us for the 
account. “Contract” means the terms and conditions outlined in this contract. “Account” means the credit card account we open for 
you to use to access the credit we extend to you. “Credit limit” means the maximum account balance you can have at any time.

1.   Your  Responsibility  for  the Account:  You  are  responsible  for  the  balance  on  the  account  and  you  agree  to  pay  the 
balance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card by 
not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they make. 
We may let you add an authorized user to your account. An authorized user is any person you give permission to use the 
card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any related 
fees and interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly from 
them. If you want to remove an authorized user from your account, you need to get the card from them and notify us. If you 
cannot get the card, contact us immediately and we will close the account to try to stop further charges. The cards remain 
our property and you agree to return them at our request or we have the right to have a merchant keep the card and return 
it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify us immediately.

2.   Using Your Account to Obtain Credit: You can use the card and your account to make charges as long as you do not 
charge more than your credit limit. We can close or suspend the account at any time for any reason including if the activity 
on your account appears suspicious, if we are concerned about repayment or if the balance is over the credit limit. We 
can also limit the number or amount of charges you can make on the account. You may be assigned a PIN (Personal 
Identification Number) or you may request a PIN to use ATMs to obtain cash advances. The minimum cash advance is 
$20.00. Your card and account may not be used for illegal charges.  You may not use your card in connection with any 
gambling transaction.

3.   Your Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may not 
go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your credit 
limit immediately. Your cash advance limit will be 50% of your total credit limit. 

4.   Monthly Billing Statements: We will send you a statement each month that your account has a balance or there is activity 
on  your  account.  The  statement  will  show  your  balance,  interest,  and  fees  charged,  and  your  minimum  payment  and 
payment due date.

5.   Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a payment 
to any other address, there may be a delay in crediting it to your account. We are not subject to any term or condition you 
attempt to impose with your payment. We do not lose any of our rights to collect the full balance if we accept late payments, 
partial payments or checks or money orders marked “payment in full” or similar language. Do not send us postdated checks. 
If you do, we may deposit these checks when we receive them and will not be liable for any fees that may result. We will post 
payments when received but we reserve the right to limit available credit resulting from any payment for up to fourteen (14) 
days which may be extended if a payment is returned for any reason or if there is other suspicious activity. If your payment is 
returned unpaid from your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but 
they can get a copy of it at your request.

6.   Minimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay at 
least the minimum payment each month by the payment due date. The payment due date will be at least twenty-five (25) 
days from the closing date. The closing date is the last day of the billing cycle.
 Monthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than $30, 
your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the current late 
fee and interest.
 Minimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly payment 
plus any amount over your credit limit. 

7.   Applying Your Payments: In general, the payment will be applied in the following order: unpaid interest, unpaid fees and 
other charges; and then principal balance. Payments applied to the principal balance will first be paid to balances at the 
highest Annual Percentage Rate (APR) and then to balances at lower APRs.

8.   Payment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United 
States. Do not send cash through the mail. Payments made through the mail in the form of cash or third party checks may 
not be accepted. Payments cannot be paid at a branch bank. Payments mailed to the payment address and received by 
5 p.m. Central Time will be credited the same day. For other payment options, please call Customer Service at (866) 205-
8313.

9.   When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due 
date. We will charge interest on the average daily balance. Average daily balance starts with the previous balance and 
adds purchases and cash advances as of their post dates and fees and charges as of the transaction dates. We subtract 
payments and credits as of their post dates. Then we add the daily balances and divide by the number of days in the 
billing cycle. Billing cycle means the time between two billing statements. To calculate the interest, we multiply the average 
daily balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate 
(currently 22.40%, which is the prime rate plus 18.65%) by 12 (months). The current monthly periodic rate is 1.8667%. 

 
 
       The Prime Rate is determined by using the “Money Rates” column in the Wall Street Journal on the first business day of 
each month, which is identified as “The base rate on corporate loans at large, U.S. money center commercial banks.” 
If more than one “Prime Rate” is listed in that column, the largest rate listed will be used. Your APR may increase or 
decrease if the Prime Rate changes. 

10.  Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will accrue interest.
a.   Annual Fee: A $50 annual fee will be billed on your first billing statement and then about the same time each year.
b.   Cash Advance Fee: You will be billed a fee of $5 or 3% of the amount of each cash advance, whichever is greater, for 

each cash advance taken through an ATM, bank withdrawal or other means.

c.   Late Fee: You will be billed up to $35 if your payment is not received by the payment due date.
d.   Returned Payment Fee: You will be billed up to $29 if your payment is returned for any reason.
e.   Foreign Transaction Fee: We charge a 2% fee for converting transactions to U.S. dollars if made in another currency.
f.   Optional Authorized User Fee: If you add an authorized user, there is a $20 annual authorized user fee.
g.   Copy Fee: We will charge a $5.00 per item fee if you request a duplicate of any sales draft, statement or other document. 

We will charge you for each copy we provide.

h.   Rush Card Fee: We will charge $25 for a replacement card rush request
i.   Replacement Card Fee: We will charge $5 to replace your credit card.

11.  Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free at (866) 205-8313 
24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be 
responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.

12.  If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge. 
Although you may have the credit available, we may be unable to authorize credit due to system difficulties, fraud or credit 
verifications, or mistakes. If your account is over the credit limit or past due, authorization for charges should be declined.

13.  Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be 
recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to 
contact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that 
we will not be responsible for the release of information to anyone who has gained possession of a card or identification 
number, account number or social security number.

14.  Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number or contact us from 
your cellular phone, you are providing this phone number for us, our affiliates or any third party acting on our behalf to 
contact you at this number. You agree that we may use this phone number to contact you for any business purpose about 
your account and you agree to be responsible for any fees or charges you incur as a result of providing this information. 
You may request this number not be used. We may offer options for text messages or other electronic communications that 
may be received or accessed from your cellular phone and you agree that by enrolling in these services, you understand 
and agree to be responsible for any fees or charges you incur as a result of this enrollment.

15.  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: Bryant 
State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. In your letter, give us the following information: Your name and account 
number; the dollar amount of the suspected error; a description of the 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: 1) Within 60 days after the error appeared 
on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business days before the 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.
 When we receive your letter, we must do two things: 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. Within 90 days of receiving your letter, we 
must either correct the error or explain to you why we believe the bill is correct.
 While we investigate whether or not there has been an error: We cannot try to collect the amount in question or report 
you as delinquent on that amount. The charge in question may remain on your statement and we may continue to charge 
you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of 
your balance. We can apply any unpaid amount against your credit limit.
Afterwefinishourinvestigation,oneoftwothingswillhappen:If we made a mistake: You will not have to pay the 
amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will 
have to pay the amount in question along with applicable interest and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct.
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. These limitations do not apply 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: Bryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. 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.





 
 
 
 
 
 
 
 
 
 
 
 
16.  ARBITRATION:  PLEASE  READ  THIS  PROVISION  OF  THE  CONTRACT  CAREFULLY.  YOU  AGREE  THAT  ANY 
DISPUTE  WILL  BE  RESOLVED  BY  BINDING  ARBITRATION.  ARBITRATION  REPLACES  THE  RIGHT  TO  GO  TO 
COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO 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.  YOU  ALSO 
AGREE ANY ARBITRATION WILL BE LIMITED TO THE DISPUTE BETWEEN YOU AND US AND WILL NOT BE PART 
OF A CLASS-WIDE OR CONSOLIDATED ARBITRATION PROCEEDING.
a.   Agreement to Arbitrate: You and we agree that any dispute will be resolved by arbitration. This provision of the contract is 
governed by the Federal Arbitration Act (FAA), 9 USCS § 1 et seq. and the substantive law of the state of South Dakota.
b.   Definitions: Arbitration is a means of having an independent third party resolve a dispute. A “dispute” is any controversy or 
claim between you and us. The term dispute is to be given its broadest possible meaning and includes, without limitation, 
all  claims  or  demands  (whether  past,  present  or  future,  including  events  that  occurred  prior  to  the  opening  of  this 
account), based on any legal or equitable theory (tort, contract or otherwise), and regardless of the type of relief sought 
(i.e. money, injunctive relief or declaratory relief). A dispute includes, by way of example and without limitation, any claim 
based upon federal or state constitution, statute, ordinance, regulation, or common law, and any issue concerning the 
validity, enforceability or scope of this arbitration agreement. The term “you” includes any cosigner, co-obligor, guarantor, 
joint user or authorized user and also your heirs, guardian, personal representative or trustee in bankruptcy. The term 
“us” includes our employees, officers, directors, attorneys, affiliated companies, predecessors and assigns, as well as 
our marketing, servicing and collection representatives and agents.

c.   Selection of arbitrator. If a dispute arises, the party asserting the claim or defense must initiate arbitration, provided you 
or we may first try to resolve the matter informally or through customary business methods, including collection activity. 
The party filing arbitration may initiate and pursue the matter with the American Arbitration Association (“AAA”) or we may 
agree upon a different arbitrator described below. If you claim you have a dispute with us, but do not initiate arbitration 
or select an arbitrator, we may do so. You may obtain copies of the current rules of AAA and forms and instructions for 
initiating arbitration by contacting them as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New 
York, NY 10017-4605. Website: www.adr.org. The policies and procedures of the arbitrator will apply provided that they are 
consistent with this arbitration agreement. To the extent the arbitrator’s rules or procedures are different than the terms of 
this arbitration agreement, the terms of this agreement shall apply. If the AAA is not available to adjudicate the matter, or if 
the AAA is not convenient or acceptable to you, you and we may agree on one or more neutral arbitrators. If you and we 
cannot agree on arbitrator(s), an arbitrator will be appointed by a court with jurisdiction over the matter pursuant to the FAA.
d.   Cost of Arbitration: We will pay the filing fee and any costs or fees charged by the arbitrator regardless of whether you 
or we initiate the arbitration. Except where otherwise provided by applicable law, each party will be responsible for its 
own attorneys’ fees and other expenses. Unless prohibited by law, the arbitrator may award fees, costs and reasonable 
attorneys’ fees to the party who substantially prevails in the arbitration.

e.   Place of Arbitration: Unless you and we agree to a different location, the arbitration will be held in the same city as the 
U.S. District Court closest to your then-current mailing address. The arbitrator may decide the matter based upon written 
submissions by the parties if permitted under the arbitration rules.

f.   Waiver of Rights: You are waiving your right to a jury trial, to have a court decide your dispute, to participate in a class 
action lawsuit and to certain discovery and other procedures that are available in a lawsuit. The arbitrator has the ability 
to award all remedies available by statute, at law or in equity to the prevailing party. You and we agree that the arbitrator 
has no authority to conduct class-wide proceedings and will be restricted to resolving the individual disputes between you 
and us. If an arbitration firm or arbitrator fails or refuses to enforce the waiver of class-wide arbitration, then the dispute will 
proceed in court. The validity, effect and enforceability of this waiver of class action lawsuit and class-wide arbitration is to 
be determined solely by a court of competent jurisdiction and not by the arbitration firm or arbitrator. If such court refuses to 
enforce the class-wide arbitration waiver, then it is agreed the dispute will proceed in court rather than arbitration.

g.   Review of Arbitration Award. The arbitrator shall apply applicable federal and South Dakota substantive law and the 
terms of your agreements with us. The arbitrator shall make written findings and the arbitrator’s award may be filed with 
any court having jurisdiction. The arbitration award shall be supported by substantial evidence and must be consistent 
with your agreements with us and applicable law or may be set aside by a court upon judicial review.

h.   Other Provisions: If any portion of this arbitration agreement is subsequently deemed unenforceable, the enforceability of 
any other provision of this agreement shall not be affected and the unenforceable term shall be amended such that it is 
enforceable to the maximum extent permitted by law provided that if a class action litigation or a class-wide arbitration is 
permitted for any reason, either party may require that the entire dispute be heard by a Judge, sitting without a jury, under 
applicable court rules and procedures. This arbitration provision shall survive: (i) termination or changes in your agreements 
with us, the account, or the relationship between you and us concerning the account; (ii) the bankruptcy of any party; and 
(iii) any transfer, sale or assignment of the Account, or any amounts owed on the account, to any other person or entity.
i.   Right to Opt-Out: If you do not wish to agree to arbitrate all disputes with us, you must advise us in writing at the following 
address within thirty (30) days of our mailing this agreement to you at the most recent mailing address we have for you: 
Bryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161.

17.  Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our 

right to enforce them at a later time.

18.  Credit Reports and Credit Reporting: You authorize us to obtain credit reports about you for any legitimate business 
purpose. We may obtain a credit report for reviewing, modifying the terms, renewing the account or collection. 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 and each authorized user agree that we may report account information 
to credit reporting agencies in the names of both you and the authorized user.

19.  Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to you as is 
required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do, your 
account will be closed and you will be able to pay off the balance under the terms in effect at that time.

20.  Law Governing this Contract: This contract is entered in the State of South Dakota where the decision to grant credit will 
be made. Therefore, this contract will be governed by the laws of the State of South Dakota applicable to contracts, and 

 
 
 
 
 
 
 
 
 
applicable Federal law.

21.  Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation of any governmental 

agency, Federal, state or local, it shall not affect the validity or enforceability of any other provision of this agreement.

22.  Default: You will be in default of this contract if any of the following occur:

a.  If you do not make a minimum payment on your account on or before the payment due date;
b.  If you die or become legally incompetent;
c.  If you become insolvent or bankrupt;
d.  If you exceed or attempt to exceed your credit limit;
e.  If you provide us with or have provided us with false or misleading information or signatures at any time;
f.  If you fail to comply with this contract;
g.  If you request an excessive number of replacement cards; or
h.  We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.
 If you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We 
can also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if an 
account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full. If your 
account is in default and you try to make charges, we can use any legal means to recover the card(s) including listing your 
account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation, we can still 
declare your Account in default for the same or different reason at a later time.

23.  Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly statement 
and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay the balance on 
the account under the terms of this contract. We can suspend your account privileges or cancel your account at any time, 
for any reason. We will notify you after we do so, unless you are in default at that time. We will have no obligation to notify 
you prior to suspending your charging privileges or cancelling your account.

24.  Our property: Each card that we issue on your account must be signed by the person named on it. You agree to surrender 

the card upon demand by us or our agents.

25.  Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have not 

used your account for any charges, all fees and interest billed to your account will be credited back to your account.

26.  Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe us 

by reason of this contract, you agree to pay reasonable attorney’s fees and other collection costs.

27.  Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way 

to define or describe the scope or intent of any provision of this contract.

28.  State Notices:

a.   California residents: A married applicant may apply for a separate account. As required by law, you are hereby notified 
that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit 
obligations. After credit approval, each applicant shall have the right to use the account up to the limit of the account. 
Each applicant may be liable for amounts extended under the plan to any joint applicant.

b.   Kentucky residents: You may pay the unpaid balance of your account in whole or in part at any time.
c.   Maine residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection at 

any time.

d.   New York residents: Consumer reports may be requested in connection with the processing of the application and 
any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting 
agencies  which  have  provided  us  with  such  reports.  New York  residents  may  contact  the  New  York  Department  of 
Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department of 
Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.

e.   Ohio  residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law.