write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your 
Statement. And, we must tell you the name of anyone we reported you 
to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 

write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your 
Statement. And, we must tell you the name of anyone we reported you 
to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 

write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your 
Statement. And, we must tell you the name of anyone we reported you 
to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 

write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your 
Statement. And, we must tell you the name of anyone we reported you 
to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your Statement was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your Statement was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your Statement was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your Statement was correct. 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
within  your  home  state,  within  100  miles  of  your  current  mailing 
within  your  home  state,  within  100  miles  of  your  current  mailing 
within  your  home  state,  within  100  miles  of  your  current  mailing 
within  your  home  state,  within  100  miles  of  your  current  mailing 
address; and 
address; and 
address; and 
address; and 
The Purchase price must have been more than $50.00. 
(b) 
The Purchase price must have been more than $50.00. 
The Purchase price must have been more than $50.00. 
The Purchase price must have been more than $50.00. 

(b) 

(b) 

(b) 

These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if 
These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if 
we mailed you the advertisement for the property or services. 
we mailed you the advertisement for the property or services. 

These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if 
we mailed you the advertisement for the property or services. 

These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if 
we mailed you the advertisement for the property or services. 

18.  Arbitration.  “Arbitration”  is  a  means  of  having  an  independent 
18.  Arbitration.  “Arbitration”  is  a  means  of  having  an  independent 
18.  Arbitration.  “Arbitration”  is  a  means  of  having  an  independent 
18.  Arbitration.  “Arbitration”  is  a  means  of  having  an  independent 
third party resolve a Dispute. A “Dispute” is any controversy or claim of 
third party resolve a Dispute. A “Dispute” is any controversy or claim of 
third party resolve a Dispute. A “Dispute” is any controversy or claim of 
third party resolve a Dispute. A “Dispute” is any controversy or claim of 
any type or nature between you (or any co-signer, co-obligor, guarantor, 
any type or nature between you (or any co-signer, co-obligor, guarantor, 
any type or nature between you (or any co-signer, co-obligor, guarantor, 
any type or nature between you (or any co-signer, co-obligor, guarantor, 
joint  user  or  authorized  user)  and  us  or  our  employees,  officers, 
joint  user  or  authorized  user)  and  us  or  our  employees,  officers, 
joint  user  or  authorized  user)  and  us  or  our  employees,  officers, 
joint  user  or  authorized  user)  and  us  or  our  employees,  officers, 
directors, attorneys, and other representatives and agents, arising out of 
directors, attorneys, and other representatives and agents, arising out of 
directors, attorneys, and other representatives and agents, arising out of 
directors, attorneys, and other representatives and agents, arising out of 
or  in  any  way  relating  to  this  agreement,  including  this  arbitration 
or  in  any  way  relating  to  this  agreement,  including  this  arbitration 
or  in  any  way  relating  to  this  agreement,  including  this  arbitration 
or  in  any  way  relating  to  this  agreement,  including  this  arbitration 
agreement.  You  agree  that  this  is  a  contract  involving  interstate 
agreement.  You  agree  that  this  is  a  contract  involving  interstate 
agreement.  You  agree  that  this  is  a  contract  involving  interstate 
agreement.  You  agree  that  this  is  a  contract  involving  interstate 
commerce  which  is  subject  to  the  Federal  Arbitration  Act  and  that  any 
commerce  which  is  subject  to  the  Federal  Arbitration  Act  and  that  any 
commerce  which  is  subject  to  the  Federal  Arbitration  Act  and  that  any 
commerce  which  is  subject  to  the  Federal  Arbitration  Act  and  that  any 
Dispute  shall  be  settled  by  binding  Arbitration  in  accordance  with  the 
Dispute  shall  be  settled  by  binding  Arbitration  in  accordance  with  the 
Dispute  shall  be  settled  by  binding  Arbitration  in  accordance  with  the 
Dispute  shall  be  settled  by  binding  Arbitration  in  accordance  with  the 
applicable rules and procedures of the American Arbitration Association 
applicable rules and procedures of the American Arbitration Association 
applicable rules and procedures of the American Arbitration Association 
applicable rules and procedures of the American Arbitration Association 
(“AAA”),  except  as  modified  herein  with  the  sole  exception  of  collection 
(“AAA”),  except  as  modified  herein  with  the  sole  exception  of  collection 
(“AAA”),  except  as  modified  herein  with  the  sole  exception  of  collection 
(“AAA”),  except  as  modified  herein  with  the  sole  exception  of  collection 
actions  by  us  relating  to  your  Account.  You  and  we  agree  that  the 
actions  by  us  relating  to  your  Account.  You  and  we  agree  that  the 
actions  by  us  relating  to  your  Account.  You  and  we  agree  that  the 
actions  by  us  relating  to  your  Account.  You  and  we  agree  that  the 
arbitrator has no authority to conduct class-wide proceedings and will be 
arbitrator has no authority to conduct class-wide proceedings and will be 
arbitrator has no authority to conduct class-wide proceedings and will be 
arbitrator has no authority to conduct class-wide proceedings and will be 
restricted  to  resolving  the  individual  disputes  between  the  parties.  You 
restricted  to  resolving  the  individual  disputes  between  the  parties.  You 
restricted  to  resolving  the  individual  disputes  between  the  parties.  You 
restricted  to  resolving  the  individual  disputes  between  the  parties.  You 
further  agree  to  waive  any  claim  for  punitive  damages  to  the  extent 
further  agree  to  waive  any  claim  for  punitive  damages  to  the  extent 
further  agree  to  waive  any  claim  for  punitive  damages  to  the  extent 
further  agree  to  waive  any  claim  for  punitive  damages  to  the  extent 
permitted  by  law.  The  arbitrator  otherwise  has  the  ability  to  award  all 
permitted  by  law.  The  arbitrator  otherwise  has  the  ability  to  award  all 
permitted  by  law.  The  arbitrator  otherwise  has  the  ability  to  award  all 
permitted  by  law.  The  arbitrator  otherwise  has  the  ability  to  award  all 
remedies  otherwise  available  by  statute,  at  law  or  in  equity  to  the 
remedies  otherwise  available  by  statute,  at  law  or  in  equity  to  the 
remedies  otherwise  available  by  statute,  at  law  or  in  equity  to  the 
remedies  otherwise  available  by  statute,  at  law  or  in  equity  to  the 
prevailing party including the recovery of reasonable attorneys’ fees and 
prevailing party including the recovery of reasonable attorneys’ fees and 
prevailing party including the recovery of reasonable attorneys’ fees and 
prevailing party including the recovery of reasonable attorneys’ fees and 
the costs of arbitration, as determined by the arbitrator. Judgment upon 
the costs of arbitration, as determined by the arbitrator. Judgment upon 
the costs of arbitration, as determined by the arbitrator. Judgment upon 
the costs of arbitration, as determined by the arbitrator. Judgment upon 
the award rendered by an arbitrator may be entered in any court having 
the award rendered by an arbitrator may be entered in any court having 
the award rendered by an arbitrator may be entered in any court having 
the award rendered by an arbitrator may be entered in any court having 
jurisdiction  thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
jurisdiction  thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
jurisdiction  thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
jurisdiction  thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL,  TO 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL,  TO 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL,  TO 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL,  TO 
ENGAGE 
(EXCEPT  AS 
ENGAGE 
IN  PRE-ARBITRATION  DISCOVERY 
IN  PRE-ARBITRATION  DISCOVERY 
(EXCEPT  AS 
ENGAGE 
ENGAGE 
(EXCEPT  AS 
IN  PRE-ARBITRATION  DISCOVERY 
(EXCEPT  AS 
PROVIDED  FOR 
IN  THE  ARBITRATION  RULES),  OR  TO 
PROVIDED  FOR 
IN  THE  ARBITRATION  RULES),  OR  TO 
PROVIDED  FOR 
IN  THE  ARBITRATION  RULES),  OR  TO 
PROVIDED  FOR 
IN  THE  ARBITRATION  RULES),  OR  TO 
PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS 
PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS 
PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS 
PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS 
OF  CLAIMANTS  PERTAINING  TO  ANY  DISPUTE.  OTHER  RIGHTS 
OF  CLAIMANTS  PERTAINING  TO  ANY  DISPUTE.  OTHER  RIGHTS 
OF  CLAIMANTS  PERTAINING  TO  ANY  DISPUTE.  OTHER  RIGHTS 
OF  CLAIMANTS  PERTAINING  TO  ANY  DISPUTE.  OTHER  RIGHTS 
THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE 
THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE 
THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE 
THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE 
UNAVAILABLE  IN  ARBITRATION.  If  any  portion  of  this  Arbitration 
UNAVAILABLE  IN  ARBITRATION.  If  any  portion  of  this  Arbitration 
UNAVAILABLE  IN  ARBITRATION.  If  any  portion  of  this  Arbitration 
UNAVAILABLE  IN  ARBITRATION.  If  any  portion  of  this  Arbitration 
Agreement is subsequently deemed unenforceable, the enforceability of 
Agreement is subsequently deemed unenforceable, the enforceability of 
Agreement is subsequently deemed unenforceable, the enforceability of 
Agreement is subsequently deemed unenforceable, the enforceability of 
any  other  provision  of  this  Arbitration  Agreement  shall  not  be  affected 
any  other  provision  of  this  Arbitration  Agreement  shall  not  be  affected 
any  other  provision  of  this  Arbitration  Agreement  shall  not  be  affected 
any  other  provision  of  this  Arbitration  Agreement  shall  not  be  affected 
and the unenforceable term shall be amended such that it is enforceable 
and the unenforceable term shall be amended such that it is enforceable 
and the unenforceable term shall be amended such that it is enforceable 
and the unenforceable term shall be amended such that it is enforceable 
to the maximum extent permitted by law. 
to the maximum extent permitted by law. 
to the maximum extent permitted by law. 
to the maximum extent permitted by law. 

IN  PRE-ARBITRATION  DISCOVERY 

19.    Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
19.    Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
19.    Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
19.    Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial  Circuit, 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial  Circuit, 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial  Circuit, 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial  Circuit, 
State of South Dakota, and agree that such court shall be the sole and 
State of South Dakota, and agree that such court shall be the sole and 
State of South Dakota, and agree that such court shall be the sole and 
State of South Dakota, and agree that such court shall be the sole and 
exclusive jurisdiction and venue of all court actions of disputes or claims 
exclusive jurisdiction and venue of all court actions of disputes or claims 
exclusive jurisdiction and venue of all court actions of disputes or claims 
exclusive jurisdiction and venue of all court actions of disputes or claims 
arising from or relating to this Agreement or the Account relationship. 
arising from or relating to this Agreement or the Account relationship. 
arising from or relating to this Agreement or the Account relationship. 
arising from or relating to this Agreement or the Account relationship. 

20.  Applicable Law. This Agreement is entered into in the State of 
20.  Applicable Law. This Agreement is entered into in the State of 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in  which 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in  which 
payments  will  be  received.  Therefore,  this  Agreement  will  be  governed 
payments  will  be  received.  Therefore,  this  Agreement  will  be  governed 
by the laws of the State of South Dakota without giving reference to its 
by the laws of the State of South Dakota without giving reference to its 
conflict of law provisions. If there is any conflict between any of the terms 
conflict of law provisions. If there is any conflict between any of the terms 
and conditions of this Agreement and applicable law, this Agreement will 
and conditions of this Agreement and applicable law, this Agreement will 
be considered changed to the extent necessary to comply with the law. 
be considered changed to the extent necessary to comply with the law. 
The other provisions of the Agreement shall not be affected. 
The other provisions of the Agreement shall not be affected. 

20.  Applicable Law. This Agreement is entered into in the State of 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in  which 
payments  will  be  received.  Therefore,  this  Agreement  will  be  governed 
by the laws of the State of South Dakota without giving reference to its 
conflict of law provisions. If there is any conflict between any of the terms 
and conditions of this Agreement and applicable law, this Agreement will 
be considered changed to the extent necessary to comply with the law. 
The other provisions of the Agreement shall not be affected. 

20.  Applicable Law. This Agreement is entered into in the State of 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in  which 
payments  will  be  received.  Therefore,  this  Agreement  will  be  governed 
by the laws of the State of South Dakota without giving reference to its 
conflict of law provisions. If there is any conflict between any of the terms 
and conditions of this Agreement and applicable law, this Agreement will 
be considered changed to the extent necessary to comply with the law. 
The other provisions of the Agreement shall not be affected. 

21.  Currency Conversion Rate. If you effect an international 
21.  Currency Conversion Rate. If you effect an international 
21.  Currency Conversion Rate. If you effect an international 
21.  Currency Conversion Rate. If you effect an international 
transaction at a merchant that settles in U.S. dollars, the rate used to determine the 
transaction at a merchant that settles in U.S. dollars, the rate used to determine the 
transaction at a merchant that settles in U.S. dollars, the rate used to determine the 
transaction at a merchant that settles in U.S. dollars, the rate used to determine the 
transaction amount for such transactions is generally either a government mandated rate 
transaction amount for such transactions is generally either a government mandated rate 
transaction amount for such transactions is generally either a government mandated rate 
transaction amount for such transactions is generally either a government mandated rate 
or a wholesale rate determined by Visa® for the processing cycle in which the 
or a wholesale rate determined by Visa® for the processing cycle in which the 
or a wholesale rate determined by Visa® for the processing cycle in which the 
or a wholesale rate determined by Visa® for the processing cycle in which the 
transaction processed, and may be increased by an adjustment factor established from 
transaction processed, and may be increased by an adjustment factor established from 
transaction processed, and may be increased by an adjustment factor established from 
transaction processed, and may be increased by an adjustment factor established from 
time to time by Visa®.  The rate used on the processing date may differ from the rate that 
time to time by Visa®.  The rate used on the processing date may differ from the rate that 
time to time by Visa®.  The rate used on the processing date may differ from the rate that 
time to time by Visa®.  The rate used on the processing date may differ from the rate that 
would have been used on the Purchase or cardholder statement. 
would have been used on the Purchase or cardholder statement. 
would have been used on the Purchase or cardholder statement. 
would have been used on the Purchase or cardholder statement. 

If you effect a transaction at a merchant that settles in a currency other than 
If you effect a transaction at a merchant that settles in a currency other than 
If you effect a transaction at a merchant that settles in a currency other than 
If you effect a transaction at a merchant that settles in a currency other than 
U.S. dollars, Visa® will convert the charge into a U.S. dollar amount.  Visa® 
U.S. dollars, Visa® will convert the charge into a U.S. dollar amount.  Visa® 
U.S. dollars, Visa® will convert the charge into a U.S. dollar amount.  Visa® 
U.S. dollars, Visa® will convert the charge into a U.S. dollar amount.  Visa® 
will use its currency conversion procedure, which is disclosed to institutions 
will use its currency conversion procedure, which is disclosed to institutions 
will use its currency conversion procedure, which is disclosed to institutions 
will use its currency conversion procedure, which is disclosed to institutions 
that issue the Cards.  Currently the currency conversion rate used to 
that issue the Cards.  Currently the currency conversion rate used to 
that issue the Cards.  Currently the currency conversion rate used to 
that issue the Cards.  Currently the currency conversion rate used to 
determine the transaction amount in U.S. dollars for such transactions is 
determine the transaction amount in U.S. dollars for such transactions is 
determine the transaction amount in U.S. dollars for such transactions is 
determine the transaction amount in U.S. dollars for such transactions is 
generally either a government mandated rate or a wholesale rate determined 
generally either a government mandated rate or a wholesale rate determined 
generally either a government mandated rate or a wholesale rate determined 
generally either a government mandated rate or a wholesale rate determined 
by Visa® for the processing cycle in which the adjustment factor established 
by Visa® for the processing cycle in which the adjustment factor established 
by Visa® for the processing cycle in which the adjustment factor established 
by Visa® for the processing cycle in which the adjustment factor established 
from time to time by Visa®.  The currency conversion rate used on the 
from time to time by Visa®.  The currency conversion rate used on the 
from time to time by Visa®.  The currency conversion rate used on the 
from time to time by Visa®.  The currency conversion rate used on the 
processing date may differ from the rate that would have been used on the 
processing date may differ from the rate that would have been used on the 
processing date may differ from the rate that would have been used on the 
processing date may differ from the rate that would have been used on the 
Purchase or cardholder statement posting date.   
Purchase or cardholder statement posting date.   
Purchase or cardholder statement posting date.   
Purchase or cardholder statement posting date.   

22.  Illegal  Transactions.  Your  Card  and  Account  may  be  used 
only for valid and lawful purposes. If you use, or allow someone else to 

22.  Illegal  Transactions.  Your  Card  and  Account  may  be  used 
only for valid and lawful purposes. If you use, or allow someone else to 

22.  Illegal  Transactions.  Your  Card  and  Account  may  be  used 
only for valid and lawful purposes. If you use, or allow someone else to 

22.  Illegal  Transactions.  Your  Card  and  Account  may  be  used 
only for valid and lawful purposes. If you use, or allow someone else to 

use,  your  Card  and  Account  for  any  other  purpose,  you  will  be 
responsible  for  such  use  and  may  be  required  to  reimburse  us  for  all 
amounts or expenses we pay as a result of such use.  You acknowledge 
and agree that the Business Card and Account will be used for legitimate 
business  purposes  and  that  you  will  have  neither  consumer  law  rights 
nor  remedies  associated  with  any  illegal  Purchases,  Charges,  or  other 
activity associated with the Business Card or Account. 

use,  your  Card  and  Account  for  any  other  purpose,  you  will  be 
responsible  for  such  use  and  may  be  required  to  reimburse  us  for  all 
amounts or expenses we pay as a result of such use.  You acknowledge 
and agree that the Business Card and Account will be used for legitimate 
business  purposes  and  that  you  will  have  neither  consumer  law  rights 
nor  remedies  associated  with  any  illegal  Purchases,  Charges,  or  other 
activity associated with the Business Card or Account. 

use,  your  Card  and  Account  for  any  other  purpose,  you  will  be 
responsible  for  such  use  and  may  be  required  to  reimburse  us  for  all 
amounts or expenses we pay as a result of such use.  You acknowledge 
and agree that the Business Card and Account will be used for legitimate 
business  purposes  and  that  you  will  have  neither  consumer  law  rights 
nor  remedies  associated  with  any  illegal  Purchases,  Charges,  or  other 
activity associated with the Business Card or Account. 

use,  your  Card  and  Account  for  any  other  purpose,  you  will  be 
responsible  for  such  use  and  may  be  required  to  reimburse  us  for  all 
amounts or expenses we pay as a result of such use.  You acknowledge 
and agree that the Business Card and Account will be used for legitimate 
business  purposes  and  that  you  will  have  neither  consumer  law  rights 
nor  remedies  associated  with  any  illegal  Purchases,  Charges,  or  other 
activity associated with the Business Card or Account. 

23.  Lost or Stolen Card. You may be liable for the unauthorized 
use of your Card. You will not be liable for unauthorized use that occurs 
after you notify us through our agent at 1-800-658-3660 orally of the loss, 
theft, or possible unauthorized use. You may also notify us in writing of 
loss,  theft,  or  possible  unauthorized  use  at  CARD  PROCESSING 
CENTER,  PO  Box  495933,  Cincinnati,  OH  45249-5933.  In  either  case, 
your  maximum  liability  is  $50.00  for  unauthorized  charges  to  your 
Account  made  prior  to  receipt  of  your  oral  or  written  notification.    You 
should  also  notify  your  Employer  in  accordance  with  your  Employer’s 
instructions. 

23.  Lost or Stolen Card. You may be liable for the unauthorized 
use of your Card. You will not be liable for unauthorized use that occurs 
after you notify us through our agent at 1-800-658-3660 orally of the loss, 
theft, or possible unauthorized use. You may also notify us in writing of 
loss,  theft,  or  possible  unauthorized  use  at  CARD  PROCESSING 
CENTER,  PO  Box  495933,  Cincinnati,  OH  45249-5933.  In  either  case, 
your  maximum  liability  is  $50.00  for  unauthorized  charges  to  your 
Account  made  prior  to  receipt  of  your  oral  or  written  notification.    You 
should  also  notify  your  Employer  in  accordance  with  your  Employer’s 
instructions. 

23.  Lost or Stolen Card. You may be liable for the unauthorized 
use of your Card. You will not be liable for unauthorized use that occurs 
after you notify us through our agent at 1-800-658-3660 orally of the loss, 
theft, or possible unauthorized use. You may also notify us in writing of 
loss,  theft,  or  possible  unauthorized  use  at  CARD  PROCESSING 
CENTER,  PO  Box  495933,  Cincinnati,  OH  45249-5933.  In  either  case, 
your  maximum  liability  is  $50.00  for  unauthorized  charges  to  your 
Account  made  prior  to  receipt  of  your  oral  or  written  notification.    You 
should  also  notify  your  Employer  in  accordance  with  your  Employer’s 
instructions. 

23.  Lost or Stolen Card. You may be liable for the unauthorized 
use of your Card. You will not be liable for unauthorized use that occurs 
after you notify us through our agent at 1-800-658-3660 orally of the loss, 
theft, or possible unauthorized use. You may also notify us in writing of 
loss,  theft,  or  possible  unauthorized  use  at  CARD  PROCESSING 
CENTER,  PO  Box  495933,  Cincinnati,  OH  45249-5933.  In  either  case, 
your  maximum  liability  is  $50.00  for  unauthorized  charges  to  your 
Account  made  prior  to  receipt  of  your  oral  or  written  notification.    You 
should  also  notify  your  Employer  in  accordance  with  your  Employer’s 
instructions. 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

Notify  Us  In  Case  of  Errors  or  Questions  About  Your 
Bill 

Notify  Us  In  Case  of  Errors  or  Questions  About  Your 
Bill 

Notify  Us  In  Case  of  Errors  or  Questions  About  Your 
Bill 

Notify  Us  In  Case  of  Errors  or  Questions  About  Your 
Bill 

If  you  think  your  Statement  is  wrong,  or  if  you  need  more  information 
about a transaction on your Statement, write us [on a separate sheet] at 
the address listed on your Statement.  Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the first 
Statement  on  which  the  error  or  problem  appeared.  You  can  telephone 
us, but doing so will not preserve your rights. 

If  you  think  your  Statement  is  wrong,  or  if  you  need  more  information 
about a transaction on your Statement, write us [on a separate sheet] at 
the address listed on your Statement.  Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the first 
Statement  on  which  the  error  or  problem  appeared.  You  can  telephone 
us, but doing so will not preserve your rights. 

If  you  think  your  Statement  is  wrong,  or  if  you  need  more  information 
about a transaction on your Statement, write us [on a separate sheet] at 
the address listed on your Statement.  Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the first 
Statement  on  which  the  error  or  problem  appeared.  You  can  telephone 
us, but doing so will not preserve your rights. 

If  you  think  your  Statement  is  wrong,  or  if  you  need  more  information 
about a transaction on your Statement, write us [on a separate sheet] at 
the address listed on your Statement.  Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the first 
Statement  on  which  the  error  or  problem  appeared.  You  can  telephone 
us, but doing so will not preserve your rights. 

In your letter, give us the following information: 
In your letter, give us the following information: 
In your letter, give us the following information: 
In your letter, give us the following information: 
•  Your name and account number. 
•  Your name and account number. 
•  Your name and account number. 
•  Your name and account number. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  Describe the error and explain, if you can, why you believe there is an 
•  Describe the error and explain, if you can, why you believe there is an 
•  Describe the error and explain, if you can, why you believe there is an 
•  Describe the error and explain, if you can, why you believe there is an 
error.  If  you  need  more  information,  describe  the  item  you  are  not 
error.  If  you  need  more  information,  describe  the  item  you  are  not 
error.  If  you  need  more  information,  describe  the  item  you  are  not 
error.  If  you  need  more  information,  describe  the  item  you  are  not 
sure about. 
sure about. 
sure about. 
sure about. 

If you have authorized us to pay your credit card Statement automatically 
from your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card Statement automatically 
from your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card Statement automatically 
from your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card Statement automatically 
from your savings or checking account, you can stop the payment on any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

Your Rights and Our Responsibilities After We Receive 
Your Written Notice 

Your Rights and Our Responsibilities After We Receive 
Your Written Notice 

Your Rights and Our Responsibilities After We Receive 
Your Written Notice 

Your Rights and Our Responsibilities After We Receive 
Your Written Notice 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the Statement was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the Statement was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the Statement was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the Statement was correct. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount  you question, including interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your Statement that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount  you question, including interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your Statement that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount  you question, including interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your Statement that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount  you question, including interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your Statement that are not in question. 

If we find that we made a mistake on your Statement, you will not have to 
pay any interest charges related to any questioned amount. If we didn’t 
make  a  mistake,  you  may  have  to  pay  interest  charges,  and  you  will 
have  to  make  up  any  missed  payments  on  the  questioned  amount.  In 
either  case,  we  will  send  you  a  notice  of  the  amount  you  owe  and  the 
date that it is due. 

If we find that we made a mistake on your Statement, you will not have to 
pay any interest charges related to any questioned amount. If we didn’t 
make  a  mistake,  you  may  have  to  pay  interest  charges,  and  you  will 
have  to  make  up  any  missed  payments  on  the  questioned  amount.  In 
either  case,  we  will  send  you  a  notice  of  the  amount  you  owe  and  the 
date that it is due. 

If we find that we made a mistake on your Statement, you will not have to 
pay any interest charges related to any questioned amount. If we didn’t 
make  a  mistake,  you  may  have  to  pay  interest  charges,  and  you  will 
have  to  make  up  any  missed  payments  on  the  questioned  amount.  In 
either  case,  we  will  send  you  a  notice  of  the  amount  you  owe  and  the 
date that it is due. 

If we find that we made a mistake on your Statement, you will not have to 
pay any interest charges related to any questioned amount. If we didn’t 
make  a  mistake,  you  may  have  to  pay  interest  charges,  and  you  will 
have  to  make  up  any  missed  payments  on  the  questioned  amount.  In 
either  case,  we  will  send  you  a  notice  of  the  amount  you  owe  and  the 
date that it is due. 

If you fail to pay the amount that we think you owe, we may report you as 
delinquent.  However,  if  our  explanation  does  not  satisfy  you  and  you 

If you fail to pay the amount that we think you owe, we may report you as 
delinquent.  However,  if  our  explanation  does  not  satisfy  you  and  you 

If you fail to pay the amount that we think you owe, we may report you as 
delinquent.  However,  if  our  explanation  does  not  satisfy  you  and  you 

If you fail to pay the amount that we think you owe, we may report you as 
delinquent.  However,  if  our  explanation  does  not  satisfy  you  and  you 

VISA® BUSINESS 
VISA® BUSINESS 
VISA® BUSINESS 
VISA® BUSINESS 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 

IMPORTANT:    The  enclosed  First  Bank  &  Trust  Business  Card  was 
issued to you at the request of your Employer.  Before you sign or use 
the  Business  Card,  please  read  this  Agreement  thoroughly,  since  it 
governs  use  of  the  Business  Card.    Please  save  it  for  future  reference. 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 

IMPORTANT:    The  enclosed  First  Bank  &  Trust  Business  Card  was 
issued to you at the request of your Employer.  Before you sign or use 
the  Business  Card,  please  read  this  Agreement  thoroughly,  since  it 
governs  use  of  the  Business  Card.    Please  save  it  for  future  reference. 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 

IMPORTANT:    The  enclosed  First  Bank  &  Trust  Business  Card  was 
issued to you at the request of your Employer.  Before you sign or use 
the  Business  Card,  please  read  this  Agreement  thoroughly,  since  it 
governs  use  of  the  Business  Card.    Please  save  it  for  future  reference. 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 

IMPORTANT:    The  enclosed  First  Bank  &  Trust  Business  Card  was 
issued to you at the request of your Employer.  Before you sign or use 
the  Business  Card,  please  read  this  Agreement  thoroughly,  since  it 
governs  use  of  the  Business  Card.    Please  save  it  for  future  reference. 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 

This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after the 
date it is issued to you. 

This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after the 
date it is issued to you. 

This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after the 
date it is issued to you. 

This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after the 
date it is issued to you. 

1.    Definitions.    In  this  Business  Card  Cardholder  Agreement 
(“Agreement”), the following definitions apply: 

1.    Definitions.    In  this  Business  Card  Cardholder  Agreement 
(“Agreement”), the following definitions apply: 

1.    Definitions.    In  this  Business  Card  Cardholder  Agreement 
(“Agreement”), the following definitions apply: 

1.    Definitions.    In  this  Business  Card  Cardholder  Agreement 
(“Agreement”), the following definitions apply: 

“Account”  means  the  Account  established  in  connection  with  the 
Business Card to which Charges are made. 

“Account”  means  the  Account  established  in  connection  with  the 
Business Card to which Charges are made. 

“Account”  means  the  Account  established  in  connection  with  the 
Business Card to which Charges are made. 

“Account”  means  the  Account  established  in  connection  with  the 
Business Card to which Charges are made. 

“Billing Cycle” means the period of time covered by the Statement. 

“Billing Cycle” means the period of time covered by the Statement. 

“Billing Cycle” means the period of time covered by the Statement. 

“Billing Cycle” means the period of time covered by the Statement. 

“Business Card” means the business purpose credit card designed for 
use by Cardholder to charge purchases of Employer-defined goods and 
services that are primarily for or incidental to the business of Employer, 
and  which  is  issued  by  First  Bank  &  Trust  to  Cardholder  on  behalf  of 
Employer in accordance with the terms of this Agreement.   

“Business Card” means the business purpose credit card designed for 
use by Cardholder to charge purchases of Employer-defined goods and 
services that are primarily for or incidental to the business of Employer, 
and  which  is  issued  by  First  Bank  &  Trust  to  Cardholder  on  behalf  of 
Employer in accordance with the terms of this Agreement.   

“Business Card” means the business purpose credit card designed for 
use by Cardholder to charge purchases of Employer-defined goods and 
services that are primarily for or incidental to the business of Employer, 
and  which  is  issued  by  First  Bank  &  Trust  to  Cardholder  on  behalf  of 
Employer in accordance with the terms of this Agreement.   

“Business Card” means the business purpose credit card designed for 
use by Cardholder to charge purchases of Employer-defined goods and 
services that are primarily for or incidental to the business of Employer, 
and  which  is  issued  by  First  Bank  &  Trust  to  Cardholder  on  behalf  of 
Employer in accordance with the terms of this Agreement.   

“Cardholder”, “You”, and “Your” refer to the individual named on the 
Business  Card  who  has  been  authorized  by  Employer  to  be  issued  a 
Business  Card,  make  Purchases,  and  incur  Charges  to  the  Account  of 
such  Business  Card  on  behalf  of  the  Employer  in  accordance  with  the 
terms of this Agreement.  

“Cardholder”, “You”, and “Your” refer to the individual named on the 
Business  Card  who  has  been  authorized  by  Employer  to  be  issued  a 
Business  Card,  make  Purchases,  and  incur  Charges  to  the  Account  of 
such  Business  Card  on  behalf  of  the  Employer  in  accordance  with  the 
terms of this Agreement.  

“Cardholder”, “You”, and “Your” refer to the individual named on the 
Business  Card  who  has  been  authorized  by  Employer  to  be  issued  a 
Business  Card,  make  Purchases,  and  incur  Charges  to  the  Account  of 
such  Business  Card  on  behalf  of  the  Employer  in  accordance  with  the 
terms of this Agreement.  

“Cardholder”, “You”, and “Your” refer to the individual named on the 
Business  Card  who  has  been  authorized  by  Employer  to  be  issued  a 
Business  Card,  make  Purchases,  and  incur  Charges  to  the  Account  of 
such  Business  Card  on  behalf  of  the  Employer  in  accordance  with  the 
terms of this Agreement.  

“Cash  Advance”  means  an  advance  of  cash  that,  if  permitted  by  the 
“Cash  Advance”  means  an  advance  of  cash  that,  if  permitted  by  the 
“Cash  Advance”  means  an  advance  of  cash  that,  if  permitted  by  the 
“Cash  Advance”  means  an  advance  of  cash  that,  if  permitted  by  the 
Employer,  is  charged  to  the  Account  with  or  in  connection  with  a 
Employer,  is  charged  to  the  Account  with  or  in  connection  with  a 
Employer,  is  charged  to  the  Account  with  or  in  connection  with  a 
Employer,  is  charged  to  the  Account  with  or  in  connection  with  a 
Business Card.  Any cash equivalents obtained with the Card will also be 
Business Card.  Any cash equivalents obtained with the Card will also be 
Business Card.  Any cash equivalents obtained with the Card will also be 
Business Card.  Any cash equivalents obtained with the Card will also be 
treated as Cash Advances. Cash equivalent transactions include but are 
treated as Cash Advances. Cash equivalent transactions include but are 
treated as Cash Advances. Cash equivalent transactions include but are 
treated as Cash Advances. Cash equivalent transactions include but are 
not  limited  to  wire  transfers,  money  orders,  travelers  checks,  tax 
not  limited  to  wire  transfers,  money  orders,  travelers  checks,  tax 
not  limited  to  wire  transfers,  money  orders,  travelers  checks,  tax 
not  limited  to  wire  transfers,  money  orders,  travelers  checks,  tax 
payments, gold bullion purchase, and gaming transactions or services.   
payments, gold bullion purchase, and gaming transactions or services.   
payments, gold bullion purchase, and gaming transactions or services.   
payments, gold bullion purchase, and gaming transactions or services.   

“Charge” is any Account activity that has a debit value. 

“Charge” is any Account activity that has a debit value. 

“Charge” is any Account activity that has a debit value. 

“Charge” is any Account activity that has a debit value. 

“Due Date” means the date that payment is due for Debt on an Account 
as reference on the Statement (the date printed on the Statement below 
the words “Payment Due Date”). 

“Due Date” means the date that payment is due for Debt on an Account 
as reference on the Statement (the date printed on the Statement below 
the words “Payment Due Date”). 

“Due Date” means the date that payment is due for Debt on an Account 
as reference on the Statement (the date printed on the Statement below 
the words “Payment Due Date”). 

“Due Date” means the date that payment is due for Debt on an Account 
as reference on the Statement (the date printed on the Statement below 
the words “Payment Due Date”). 

 “Debt”  means  all  amounts  charged  to  an  Account,  including  without 
limitation, Purchases, Charges, and Fees, that are due and owing to First 
Bank & Trust. 

 “Debt”  means  all  amounts  charged  to  an  Account,  including  without 
limitation, Purchases, Charges, and Fees, that are due and owing to First 
Bank & Trust. 

 “Debt”  means  all  amounts  charged  to  an  Account,  including  without 
limitation, Purchases, Charges, and Fees, that are due and owing to First 
Bank & Trust. 

 “Debt”  means  all  amounts  charged  to  an  Account,  including  without 
limitation, Purchases, Charges, and Fees, that are due and owing to First 
Bank & Trust. 

“Employer”  means  the  organization  that  authorized  First  Bank  &  Trust 
“Employer”  means  the  organization  that  authorized  First  Bank  &  Trust 
“Employer”  means  the  organization  that  authorized  First  Bank  &  Trust 
to issue the Business Card to you on behalf of the organization. 
to issue the Business Card to you on behalf of the organization. 
to issue the Business Card to you on behalf of the organization. 

“Employer”  means  the  organization  that  authorized  First  Bank  &  Trust 
to issue the Business Card to you on behalf of the organization. 

“Fees” means all fees that are posted to an Account and due and 
payable  to  First  Bank  &  Trust  which  are  associated  with  any 
Business  Card.    See  the  section  entitled  Fees  for  a  description  of 
the Fees associated with this Card. 

“Fees” means all fees that are posted to an Account and due and 
payable  to  First  Bank  &  Trust  which  are  associated  with  any 
Business  Card.    See  the  section  entitled  Fees  for  a  description  of 
the Fees associated with this Card. 

“Fees” means all fees that are posted to an Account and due and 
payable  to  First  Bank  &  Trust  which  are  associated  with  any 
Business  Card.    See  the  section  entitled  Fees  for  a  description  of 
the Fees associated with this Card. 

“Fees” means all fees that are posted to an Account and due and 
payable  to  First  Bank  &  Trust  which  are  associated  with  any 
Business  Card.    See  the  section  entitled  Fees  for  a  description  of 
the Fees associated with this Card. 

“First Bank & Trust”, “we”, “us”, “our”, and “Bank” mean, First Bank 
&  Trust,  Brookings,  South  Dakota,  the  creditor  and  issuer  of  Business 
Cards and related Accounts. 

“First Bank & Trust”, “we”, “us”, “our”, and “Bank” mean, First Bank 
&  Trust,  Brookings,  South  Dakota,  the  creditor  and  issuer  of  Business 
Cards and related Accounts. 

“First Bank & Trust”, “we”, “us”, “our”, and “Bank” mean, First Bank 
&  Trust,  Brookings,  South  Dakota,  the  creditor  and  issuer  of  Business 
Cards and related Accounts. 

“First Bank & Trust”, “we”, “us”, “our”, and “Bank” mean, First Bank 
&  Trust,  Brookings,  South  Dakota,  the  creditor  and  issuer  of  Business 
Cards and related Accounts. 

“Legitimate Business Charge” is any Charge that directly or indirectly 
benefits your Employer. 

“Legitimate Business Charge” is any Charge that directly or indirectly 
benefits your Employer. 

“Legitimate Business Charge” is any Charge that directly or indirectly 
benefits your Employer. 

“Legitimate Business Charge” is any Charge that directly or indirectly 
benefits your Employer. 

 “Purchase”  means  a  purchase  of  goods  or  services  (or  both)  that  is 
charged  to  the  Account  with  or  in  connection  with  a  Card  or  Central 
Account. 

 “Purchase”  means  a  purchase  of  goods  or  services  (or  both)  that  is 
charged  to  the  Account  with  or  in  connection  with  a  Card  or  Central 
Account. 

 “Purchase”  means  a  purchase  of  goods  or  services  (or  both)  that  is 
charged  to  the  Account  with  or  in  connection  with  a  Card  or  Central 
Account. 

 “Purchase”  means  a  purchase  of  goods  or  services  (or  both)  that  is 
charged  to  the  Account  with  or  in  connection  with  a  Card  or  Central 
Account. 

06/13 

06/13 

06/13 

06/13 

M-109681 

M-109681 
M-109681 

M-109681 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
2.    Your  Acceptance  of  the  Agreement.    By  accepting, 
2.    Your  Acceptance  of  the  Agreement.    By  accepting, 
signing,  or  using  the  Business  Card  or  the  Account  established  in 
signing,  or  using  the  Business  Card  or  the  Account  established  in 
connection  with  it,  you  are  agreeing  to  the  terms  of  this  Agreement.    If 
connection  with  it,  you  are  agreeing  to  the  terms  of  this  Agreement.    If 
you  do  not  agree  to  the  terms  of  the  Agreement,  you  agree  to  cut  the 
you  do  not  agree  to  the  terms  of  the  Agreement,  you  agree  to  cut  the 
Business Card in half and return the pieces to First Bank & Trust. 
Business Card in half and return the pieces to First Bank & Trust. 

2.    Your  Acceptance  of  the  Agreement.    By  accepting, 
2.    Your  Acceptance  of  the  Agreement.    By  accepting, 
signing,  or  using  the  Business  Card  or  the  Account  established  in 
signing,  or  using  the  Business  Card  or  the  Account  established  in 
connection  with  it,  you  are  agreeing  to  the  terms  of  this  Agreement.    If 
connection  with  it,  you  are  agreeing  to  the  terms  of  this  Agreement.    If 
you  do  not  agree  to  the  terms  of  the  Agreement,  you  agree  to  cut  the 
you  do  not  agree  to  the  terms  of  the  Agreement,  you  agree  to  cut  the 
Business Card in half and return the pieces to First Bank & Trust. 
Business Card in half and return the pieces to First Bank & Trust. 

3.    Ownership  of  the  Business  Card.    The  Business  Card 
3.    Ownership  of  the  Business  Card.    The  Business  Card 
3.    Ownership  of  the  Business  Card.    The  Business  Card 
remains  the  property  of  First  Bank  &  Trust.    First  Bank  &  Trust  can 
remains  the  property  of  First  Bank  &  Trust.    First  Bank  &  Trust  can 
remains  the  property  of  First  Bank  &  Trust.    First  Bank  &  Trust  can 
revoke  your  right  to  use  the  Business  Card  at  any  time.    First  Bank  & 
revoke  your  right  to  use  the  Business  Card  at  any  time.    First  Bank  & 
revoke  your  right  to  use  the  Business  Card  at  any  time.    First  Bank  & 
Trust  can  do  this  with  or  without  cause  and  without  giving  you  notice.  
Trust  can  do  this  with  or  without  cause  and  without  giving  you  notice.  
Trust  can  do  this  with  or  without  cause  and  without  giving  you  notice.  
You must surrender the Business Card to your Employer or to First Bank 
You must surrender the Business Card to your Employer or to First Bank 
You must surrender the Business Card to your Employer or to First Bank 
& Trust at their request. 
& Trust at their request. 
& Trust at their request. 

3.    Ownership  of  the  Business  Card.    The  Business  Card 
remains  the  property  of  First  Bank  &  Trust.    First  Bank  &  Trust  can 
revoke  your  right  to  use  the  Business  Card  at  any  time.    First  Bank  & 
Trust  can  do  this  with  or  without  cause  and  without  giving  you  notice.  
You must surrender the Business Card to your Employer or to First Bank 
& Trust at their request. 

4.    Using  Your  Card.  First  Bank  &  Trust  provides  charging 
privileges  on  the  Business  Card  pursuant  to  an  agreement  with  your 
Employer.  Your Employer has authorized the issuance of the Business 
Card  to  you,  which  is  to  be  used  only  by  you  and  only  for  Legitimate 
Business  Charges,  as  defined  to  you  by  your  Employer.    Charging 
privileges will be withdrawn upon: (i) abuse of Charge privileges by you 
(including,  but  not  limited  to,  the  failure  of  your  obligation  to  use  the 
Business  Card 
illegal 
Purchases,  failure  of  your  obligation  to  make  payment  to  First  Bank  & 
Trust, and failure of any other obligation as provided by this Agreement); 
(ii) termination of your employment or affiliation with your Employer; (iii) 
termination or suspension of the agreement between First Bank & Trust 
and your Employer. 

4.    Using  Your  Card.  First  Bank  &  Trust  provides  charging 
privileges  on  the  Business  Card  pursuant  to  an  agreement  with  your 
Employer.  Your Employer has authorized the issuance of the Business 
Card  to  you,  which  is  to  be  used  only  by  you  and  only  for  Legitimate 
Business  Charges,  as  defined  to  you  by  your  Employer.    Charging 
privileges will be withdrawn upon: (i) abuse of Charge privileges by you 
(including,  but  not  limited  to,  the  failure  of  your  obligation  to  use  the 
Business  Card 
illegal 
Purchases,  failure  of  your  obligation  to  make  payment  to  First  Bank  & 
Trust, and failure of any other obligation as provided by this Agreement); 
(ii) termination of your employment or affiliation with your Employer; (iii) 
termination or suspension of the agreement between First Bank & Trust 
and your Employer. 

4.    Using  Your  Card.  First  Bank  &  Trust  provides  charging 
privileges  on  the  Business  Card  pursuant  to  an  agreement  with  your 
Employer.  Your Employer has authorized the issuance of the Business 
Card  to  you,  which  is  to  be  used  only  by  you  and  only  for  Legitimate 
Business  Charges,  as  defined  to  you  by  your  Employer.    Charging 
privileges will be withdrawn upon: (i) abuse of Charge privileges by you 
(including,  but  not  limited  to,  the  failure  of  your  obligation  to  use  the 
Business  Card 
illegal 
Purchases,  failure  of  your  obligation  to  make  payment  to  First  Bank  & 
Trust, and failure of any other obligation as provided by this Agreement); 
(ii) termination of your employment or affiliation with your Employer; (iii) 
termination or suspension of the agreement between First Bank & Trust 
and your Employer. 

4.    Using  Your  Card.  First  Bank  &  Trust  provides  charging 
privileges  on  the  Business  Card  pursuant  to  an  agreement  with  your 
Employer.  Your Employer has authorized the issuance of the Business 
Card  to  you,  which  is  to  be  used  only  by  you  and  only  for  Legitimate 
Business  Charges,  as  defined  to  you  by  your  Employer.    Charging 
privileges will be withdrawn upon: (i) abuse of Charge privileges by you 
(including,  but  not  limited  to,  the  failure  of  your  obligation  to  use  the 
for  Legitimate  Business  charges,  making 
Business  Card 
illegal 
Purchases,  failure  of  your  obligation  to  make  payment  to  First  Bank  & 
Trust, and failure of any other obligation as provided by this Agreement); 
(ii) termination of your employment or affiliation with your Employer; (iii) 
termination or suspension of the agreement between First Bank & Trust 
and your Employer. 

for  Legitimate  Business  charges,  making 

for  Legitimate  Business  charges,  making 

for  Legitimate  Business  charges,  making 

You  may  use  your  Card  or  Account  to  make  Purchases  wherever  the 
Card  is  honored.  You  may  also use  the  Card  to  obtain  Cash  Advances 
from any financial institution that accepts the Card. If you use your Card 
or Account, you agree to us paying the amount owed to each merchant 
or financial institution which honored your Card.  
If you give your Account number to make a Purchase or obtain a Cash 
Advance  without  presenting  your  Card  (such  as  for  a  mail  order, 
telephone,  or  Internet  purchase),  the  legal  effect  will  be  the  same  as  if 
the Card itself was used by you. 

You  may  use  your  Card  or  Account  to  make  Purchases  wherever  the 
Card  is  honored.  You  may  also use  the  Card  to  obtain  Cash  Advances 
from any financial institution that accepts the Card. If you use your Card 
or Account, you agree to us paying the amount owed to each merchant 
or financial institution which honored your Card.  
If you give your Account number to make a Purchase or obtain a Cash 
Advance  without  presenting  your  Card  (such  as  for  a  mail  order, 
telephone,  or  Internet  purchase),  the  legal  effect  will  be  the  same  as  if 
the Card itself was used by you. 

You  may  use  your  Card  or  Account  to  make  Purchases  wherever  the 
Card  is  honored.  You  may  also use  the  Card  to  obtain  Cash  Advances 
from any financial institution that accepts the Card. If you use your Card 
or Account, you agree to us paying the amount owed to each merchant 
or financial institution which honored your Card.  
If you give your Account number to make a Purchase or obtain a Cash 
Advance  without  presenting  your  Card  (such  as  for  a  mail  order, 
telephone,  or  Internet  purchase),  the  legal  effect  will  be  the  same  as  if 
the Card itself was used by you. 

You  may  use  your  Card  or  Account  to  make  Purchases  wherever  the 
Card  is  honored.  You  may  also use  the  Card  to  obtain  Cash  Advances 
from any financial institution that accepts the Card. If you use your Card 
or Account, you agree to us paying the amount owed to each merchant 
or financial institution which honored your Card.  
If you give your Account number to make a Purchase or obtain a Cash 
Advance  without  presenting  your  Card  (such  as  for  a  mail  order, 
telephone,  or  Internet  purchase),  the  legal  effect  will  be  the  same  as  if 
the Card itself was used by you. 

If we, at our option, give you a Personal Identification Number (PIN), you 
may use your Card to obtain a Cash Advance from any Automated Teller 
Machine  (ATM)  that  bears  the  VISA®,  or  PLUS®  logo.  All  ATM 
transactions  are  treated  under  terms  of  this  Agreement  the  same  as 
Cash  Advances.  We  have  the  right  to  restrict  your  access  to  any 
qualified ATM at any time. You should not keep your PIN with your Card. 
If you believe that anyone has gained unauthorized access to your PIN, 
you  should  advise  us  immediately,  following  the  procedures  under  the 
heading “Lost or Stolen Card.” 

If we, at our option, give you a Personal Identification Number (PIN), you 
may use your Card to obtain a Cash Advance from any Automated Teller 
Machine  (ATM)  that  bears  the  VISA®,  or  PLUS®  logo.  All  ATM 
transactions  are  treated  under  terms  of  this  Agreement  the  same  as 
Cash  Advances.  We  have  the  right  to  restrict  your  access  to  any 
qualified ATM at any time. You should not keep your PIN with your Card. 
If you believe that anyone has gained unauthorized access to your PIN, 
you  should  advise  us  immediately,  following  the  procedures  under  the 
heading “Lost or Stolen Card.” 

If we, at our option, give you a Personal Identification Number (PIN), you 
may use your Card to obtain a Cash Advance from any Automated Teller 
Machine  (ATM)  that  bears  the  VISA®,  or  PLUS®  logo.  All  ATM 
transactions  are  treated  under  terms  of  this  Agreement  the  same  as 
Cash  Advances.  We  have  the  right  to  restrict  your  access  to  any 
qualified ATM at any time. You should not keep your PIN with your Card. 
If you believe that anyone has gained unauthorized access to your PIN, 
you  should  advise  us  immediately,  following  the  procedures  under  the 
heading “Lost or Stolen Card.” 

If we, at our option, give you a Personal Identification Number (PIN), you 
may use your Card to obtain a Cash Advance from any Automated Teller 
Machine  (ATM)  that  bears  the  VISA®,  or  PLUS®  logo.  All  ATM 
transactions  are  treated  under  terms  of  this  Agreement  the  same  as 
Cash  Advances.  We  have  the  right  to  restrict  your  access  to  any 
qualified ATM at any time. You should not keep your PIN with your Card. 
If you believe that anyone has gained unauthorized access to your PIN, 
you  should  advise  us  immediately,  following  the  procedures  under  the 
heading “Lost or Stolen Card.” 

5.    Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
your Card. Since we may change your credit line from time to time, your 
latest credit line will appear on your monthly billing statement. You agree 
not  to  make  any  Purchases  or  obtain  any  Cash  Advances  that  would 
cause the unpaid balance of your Account to exceed your credit line. We 
may honor Purchases and Cash Advances in excess of your credit line 
at  our  sole  discretion.  If  we  do,  this  Agreement  also  applies  to  that 
excess and you agree to pay the excess immediately if we demand that 
you do so. You  agree that we  may change  or cancel your credit line at 
any  time  without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 

5.    Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
your Card. Since we may change your credit line from time to time, your 
latest credit line will appear on your monthly billing statement. You agree 
not  to  make  any  Purchases  or  obtain  any  Cash  Advances  that  would 
cause the unpaid balance of your Account to exceed your credit line. We 
may honor Purchases and Cash Advances in excess of your credit line 
at  our  sole  discretion.  If  we  do,  this  Agreement  also  applies  to  that 
excess and you agree to pay the excess immediately if we demand that 
you do so. You  agree that we  may change  or cancel your credit line at 
any  time  without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 

5.    Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
your Card. Since we may change your credit line from time to time, your 
latest credit line will appear on your monthly billing statement. You agree 
not  to  make  any  Purchases  or  obtain  any  Cash  Advances  that  would 
cause the unpaid balance of your Account to exceed your credit line. We 
may honor Purchases and Cash Advances in excess of your credit line 
at  our  sole  discretion.  If  we  do,  this  Agreement  also  applies  to  that 
excess and you agree to pay the excess immediately if we demand that 
you do so. You  agree that we  may change  or cancel your credit line at 
any  time  without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 

5.    Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
your Card. Since we may change your credit line from time to time, your 
latest credit line will appear on your monthly billing statement. You agree 
not  to  make  any  Purchases  or  obtain  any  Cash  Advances  that  would 
cause the unpaid balance of your Account to exceed your credit line. We 
may honor Purchases and Cash Advances in excess of your credit line 
at  our  sole  discretion.  If  we  do,  this  Agreement  also  applies  to  that 
excess and you agree to pay the excess immediately if we demand that 
you do so. You  agree that we  may change  or cancel your credit line at 
any  time  without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 

6.    Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement  (“Statement”)  at  the  end  of  each  monthly  billing  cycle  if  your 
Account  has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and  Cash 
Advances posted during the billing period, any Interest Charges, and all 
payments,  debits,  and  credits  to  your  Account  through  the  Billing  Cycle 
Closing Date. It will also show, among other things, your New Balance, 
the Minimum Payment Due, and the Payment Due Date (which will be at 
least 25 days after the Billing Cycle Closing Date). 

6.    Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement  (“Statement”)  at  the  end  of  each  monthly  billing  cycle  if  your 
Account  has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and  Cash 
Advances posted during the billing period, any Interest Charges, and all 
payments,  debits,  and  credits  to  your  Account  through  the  Billing  Cycle 
Closing Date. It will also show, among other things, your New Balance, 
the Minimum Payment Due, and the Payment Due Date (which will be at 
least 25 days after the Billing Cycle Closing Date). 

6.    Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement  (“Statement”)  at  the  end  of  each  monthly  billing  cycle  if  your 
Account  has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and  Cash 
Advances posted during the billing period, any Interest Charges, and all 
payments,  debits,  and  credits  to  your  Account  through  the  Billing  Cycle 
Closing Date. It will also show, among other things, your New Balance, 
the Minimum Payment Due, and the Payment Due Date (which will be at 
least 25 days after the Billing Cycle Closing Date). 

6.    Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement  (“Statement”)  at  the  end  of  each  monthly  billing  cycle  if  your 
Account  has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and  Cash 
Advances posted during the billing period, any Interest Charges, and all 
payments,  debits,  and  credits  to  your  Account  through  the  Billing  Cycle 
Closing Date. It will also show, among other things, your New Balance, 
the Minimum Payment Due, and the Payment Due Date (which will be at 
least 25 days after the Billing Cycle Closing Date). 

7.  Your Responsibility to Make Payment.  Your obligation to 
make  payment  to  First  Bank  &  Trust  is  due  and  payable  upon  the  Due 

7.  Your Responsibility to Make Payment.  Your obligation to 
make  payment  to  First  Bank  &  Trust  is  due  and  payable  upon  the  Due 

7.  Your Responsibility to Make Payment.  Your obligation to 
make  payment  to  First  Bank  &  Trust  is  due  and  payable  upon  the  Due 

7.  Your Responsibility to Make Payment.  Your obligation to 
make  payment  to  First  Bank  &  Trust  is  due  and  payable  upon  the  Due 

termination or cancellation will not affect your existing obligations under 
this Agreement. 

termination or cancellation will not affect your existing obligations under 
this Agreement. 

termination or cancellation will not affect your existing obligations under 
this Agreement. 

termination or cancellation will not affect your existing obligations under 
this Agreement. 

15.  Notices. We will send statements and any other notices to you at 
the  address  shown  in  our  files.  You  promise  to  inform  us  promptly  in 
writing  of  any  change  in  your  address.  In  determining  your  last  known 
address,  we  can  accept  address  corrections  received  from  the  U.S. 
Postal Service. 

15.  Notices. We will send statements and any other notices to you at 
the  address  shown  in  our  files.  You  promise  to  inform  us  promptly  in 
writing  of  any  change  in  your  address.  In  determining  your  last  known 
address,  we  can  accept  address  corrections  received  from  the  U.S. 
Postal Service. 

15.  Notices. We will send statements and any other notices to you at 
the  address  shown  in  our  files.  You  promise  to  inform  us  promptly  in 
writing  of  any  change  in  your  address.  In  determining  your  last  known 
address,  we  can  accept  address  corrections  received  from  the  U.S. 
Postal Service. 

15.  Notices. We will send statements and any other notices to you at 
the  address  shown  in  our  files.  You  promise  to  inform  us  promptly  in 
writing  of  any  change  in  your  address.  In  determining  your  last  known 
address,  we  can  accept  address  corrections  received  from  the  U.S. 
Postal Service. 

16.  Changes  in  Agreement  Terms.  We  can  change  any  term 
of this Agreement, including the rate at which or manner in which interest 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
required  by  law.  At  our  option,  any  change  will  apply  both  to  your  new 
activity and to your outstanding balance when the change is effective. If 
you do not wish to be subject to the change, you must notify us in writing 
within  25  days  of  the  effective  date  of  the  change  and  close  your 
Account.  Use  of  the  Card  after  the  effective  date  of  the  change  is 
deemed acceptance of the new terms. 

16.  Changes  in  Agreement  Terms.  We  can  change  any  term 
of this Agreement, including the rate at which or manner in which interest 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
required  by  law.  At  our  option,  any  change  will  apply  both  to  your  new 
activity and to your outstanding balance when the change is effective. If 
you do not wish to be subject to the change, you must notify us in writing 
within  25  days  of  the  effective  date  of  the  change  and  close  your 
Account.  Use  of  the  Card  after  the  effective  date  of  the  change  is 
deemed acceptance of the new terms. 

16.  Changes  in  Agreement  Terms.  We  can  change  any  term 
of this Agreement, including the rate at which or manner in which interest 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
required  by  law.  At  our  option,  any  change  will  apply  both  to  your  new 
activity and to your outstanding balance when the change is effective. If 
you do not wish to be subject to the change, you must notify us in writing 
within  25  days  of  the  effective  date  of  the  change  and  close  your 
Account.  Use  of  the  Card  after  the  effective  date  of  the  change  is 
deemed acceptance of the new terms. 

16.  Changes  in  Agreement  Terms.  We  can  change  any  term 
of this Agreement, including the rate at which or manner in which interest 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
required  by  law.  At  our  option,  any  change  will  apply  both  to  your  new 
activity and to your outstanding balance when the change is effective. If 
you do not wish to be subject to the change, you must notify us in writing 
within  25  days  of  the  effective  date  of  the  change  and  close  your 
Account.  Use  of  the  Card  after  the  effective  date  of  the  change  is 
deemed acceptance of the new terms. 

17.  Exchange  of  Information  Between  First  Bank  & 
17.  Exchange  of  Information  Between  First  Bank  & 
17.  Exchange  of  Information  Between  First  Bank  & 
Trust  and  Your  Employer.    First  Bank  &  Trust  may  furnish 
Trust  and  Your  Employer.    First  Bank  &  Trust  may  furnish 
Trust  and  Your  Employer.    First  Bank  &  Trust  may  furnish 
information  concerning  your  use  of  the  Business  Card,  including  any 
information  concerning  your  use  of  the  Business  Card,  including  any 
information  concerning  your  use  of  the  Business  Card,  including  any 
delinquency, to your Employer, which may include your direct supervisor.  
delinquency, to your Employer, which may include your direct supervisor.  
delinquency, to your Employer, which may include your direct supervisor.  
Your  Employer  may  furnish  information  about  your  use  of  the  Business 
Your  Employer  may  furnish  information  about  your  use  of  the  Business 
Your  Employer  may  furnish  information  about  your  use  of  the  Business 
Card  and  the  Account,  and  any  pertinent  information  about  any 
Card  and  the  Account,  and  any  pertinent  information  about  any 
Card  and  the  Account,  and  any  pertinent  information  about  any 
reimbursement  of  Charges  received  by  you  from  your  Employer, 
reimbursement  of  Charges  received  by  you  from  your  Employer, 
reimbursement  of  Charges  received  by  you  from  your  Employer, 
Cardholder delinquency information, Cardholder employment status and 
Cardholder delinquency information, Cardholder employment status and 
Cardholder delinquency information, Cardholder employment status and 
location  and  any  other  related  Cardholder  tracking  information  to  First 
location  and  any  other  related  Cardholder  tracking  information  to  First 
location  and  any  other  related  Cardholder  tracking  information  to  First 
Bank & Trust.  By participating in international programs or transactions, 
Bank & Trust.  By participating in international programs or transactions, 
Bank & Trust.  By participating in international programs or transactions, 
you  and  your  Employer  agree  that  First  Bank  &  Trust  may  transfer  and 
you  and  your  Employer  agree  that  First  Bank  &  Trust  may  transfer  and 
you  and  your  Employer  agree  that  First  Bank  &  Trust  may  transfer  and 
use  such  transaction  information  to  process  international  transaction 
use  such  transaction  information  to  process  international  transaction 
use  such  transaction  information  to  process  international  transaction 
requests by  the Employer or Cardholder  to  merchants, processors,  and 
requests by  the Employer or Cardholder  to  merchants, processors,  and 
requests by  the Employer or Cardholder  to  merchants, processors,  and 
service  providers.    You  consent  to  such  use  and  transfer  of  such 
service  providers.    You  consent  to  such  use  and  transfer  of  such 
service  providers.    You  consent  to  such  use  and  transfer  of  such 
information. 
information. 
information. 

17.  Exchange  of  Information  Between  First  Bank  & 
Trust  and  Your  Employer.    First  Bank  &  Trust  may  furnish 
information  concerning  your  use  of  the  Business  Card,  including  any 
delinquency, to your Employer, which may include your direct supervisor.  
Your  Employer  may  furnish  information  about  your  use  of  the  Business 
Card  and  the  Account,  and  any  pertinent  information  about  any 
reimbursement  of  Charges  received  by  you  from  your  Employer, 
Cardholder delinquency information, Cardholder employment status and 
location  and  any  other  related  Cardholder  tracking  information  to  First 
Bank & Trust.  By participating in international programs or transactions, 
you  and  your  Employer  agree  that  First  Bank  &  Trust  may  transfer  and 
use  such  transaction  information  to  process  international  transaction 
requests by  the Employer or Cardholder  to  merchants, processors,  and 
service  providers.    You  consent  to  such  use  and  transfer  of  such 
information. 

Date referenced on your Statement.  You are liable to First Bank & Trust 
for  payment  of  all  Charges  and  Fees  incurred  on  the  Account  or 
otherwise authorized by you, independent of any agreement or program 
for  reimbursement  that  may  exist  between  you  and  your  Employer.    In 
certain  circumstances,  unless  prohibited  by  law,  your  Employer  may 
decide  to  pay  First  Bank  &  Trust  directly  for  business-related  Charges 
made  to  your  Business  Card,  but  you  are  still  liable  for  all  Debt 
associated  with  the  Account.    Certain  Charges  may be  billed  directly to 
your  Employer  and  will  appear  on  your  Statement  as  a  memorandum 
item only.  In the event that your Employer refuses to pay these Charges 
and/or Debt and they are later billed to your Account, you agree to pay 
such Debt in full. 

Date referenced on your Statement.  You are liable to First Bank & Trust 
for  payment  of  all  Charges  and  Fees  incurred  on  the  Account  or 
otherwise authorized by you, independent of any agreement or program 
for  reimbursement  that  may  exist  between  you  and  your  Employer.    In 
certain  circumstances,  unless  prohibited  by  law,  your  Employer  may 
decide  to  pay  First  Bank  &  Trust  directly  for  business-related  Charges 
made  to  your  Business  Card,  but  you  are  still  liable  for  all  Debt 
associated  with  the  Account.    Certain  Charges  may be  billed  directly to 
your  Employer  and  will  appear  on  your  Statement  as  a  memorandum 
item only.  In the event that your Employer refuses to pay these Charges 
and/or Debt and they are later billed to your Account, you agree to pay 
such Debt in full. 

Date referenced on your Statement.  You are liable to First Bank & Trust 
for  payment  of  all  Charges  and  Fees  incurred  on  the  Account  or 
otherwise authorized by you, independent of any agreement or program 
for  reimbursement  that  may  exist  between  you  and  your  Employer.    In 
certain  circumstances,  unless  prohibited  by  law,  your  Employer  may 
decide  to  pay  First  Bank  &  Trust  directly  for  business-related  Charges 
made  to  your  Business  Card,  but  you  are  still  liable  for  all  Debt 
associated  with  the  Account.    Certain  Charges  may be  billed  directly  to 
your  Employer  and  will  appear  on  your  Statement  as  a  memorandum 
item only.  In the event that your Employer refuses to pay these Charges 
and/or Debt and they are later billed to your Account, you agree to pay 
such Debt in full. 

Date referenced on your Statement.  You are liable to First Bank & Trust 
for  payment  of  all  Charges  and  Fees  incurred  on  the  Account  or 
otherwise authorized by you, independent of any agreement or program 
for  reimbursement  that  may  exist  between  you  and  your  Employer.    In 
certain  circumstances,  unless  prohibited  by  law,  your  Employer  may 
decide  to  pay  First  Bank  &  Trust  directly  for  business-related  Charges 
made  to  your  Business  Card,  but  you  are  still  liable  for  all  Debt 
associated  with  the  Account.    Certain  Charges  may be  billed  directly  to 
your  Employer  and  will  appear  on  your  Statement  as  a  memorandum 
item only.  In the event that your Employer refuses to pay these Charges 
and/or Debt and they are later billed to your Account, you agree to pay 
such Debt in full. 

8.    Irregular  Payments  and  Delay  in  Enforcement, 
Waivers  and  Releases.  We  can  accept  late  payments,  partial 
payments,  checks  and  money  orders  marked  “paid  in  full”  or  language 
having  the  same  effect  without  losing  any  of  our  rights  under  this 
Agreement. We can also delay enforcing our rights under this Agreement 
any  number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it as to 
the  other.  No  waiver  by  us  of  any  default  shall  be  effective  unless  in 
writing  nor  operate  as  a  waiver  of  any  other  future  default.  We  can 
release  you  in  whole  or  in  part  without  affecting  your  obligations  under 
this Agreement. 

8.    Irregular  Payments  and  Delay  in  Enforcement, 
Waivers  and  Releases.  We  can  accept  late  payments,  partial 
payments,  checks  and  money  orders  marked  “paid  in  full”  or  language 
having  the  same  effect  without  losing  any  of  our  rights  under  this 
Agreement. We can also delay enforcing our rights under this Agreement 
any  number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it as to 
the  other.  No  waiver  by  us  of  any  default  shall  be  effective  unless  in 
writing  nor  operate  as  a  waiver  of  any  other  future  default.  We  can 
release  you  in  whole  or  in  part  without  affecting  your  obligations  under 
this Agreement. 

8.    Irregular  Payments  and  Delay  in  Enforcement, 
Waivers  and  Releases.  We  can  accept  late  payments,  partial 
payments,  checks  and  money  orders  marked  “paid  in  full”  or  language 
having  the  same  effect  without  losing  any  of  our  rights  under  this 
Agreement. We can also delay enforcing our rights under this Agreement 
any  number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it as to 
the  other.  No  waiver  by  us  of  any  default  shall  be  effective  unless  in 
writing  nor  operate  as  a  waiver  of  any  other  future  default.  We  can 
release  you  in  whole  or  in  part  without  affecting  your  obligations  under 
this Agreement. 

8.    Irregular  Payments  and  Delay  in  Enforcement, 
Waivers  and  Releases.  We  can  accept  late  payments,  partial 
payments,  checks  and  money  orders  marked  “paid  in  full”  or  language 
having  the  same  effect  without  losing  any  of  our  rights  under  this 
Agreement. We can also delay enforcing our rights under this Agreement 
any  number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it as to 
the  other.  No  waiver  by  us  of  any  default  shall  be  effective  unless  in 
writing  nor  operate  as  a  waiver  of  any  other  future  default.  We  can 
release  you  in  whole  or  in  part  without  affecting  your  obligations  under 
this Agreement. 

9.      Minimum  Payments.  You  may  pay  your  New  Balance  each 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to  pay  in 
monthly installments, you must pay at least the Minimum Payment Due 
shown on your Statement by the Payment Due Date. You may pay more 
than  the  Minimum  Payment  Due  and  may  at  any  time  pay  your  total 
balance due. We will apply payments to amounts owed on your Account 
based on applicable laws.  

9.      Minimum  Payments.  You  may  pay  your  New  Balance  each 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to  pay  in 
monthly installments, you must pay at least the Minimum Payment Due 
shown on your Statement by the Payment Due Date. You may pay more 
than  the  Minimum  Payment  Due  and  may  at  any  time  pay  your  total 
balance due. We will apply payments to amounts owed on your Account 
based on applicable laws.  

9.      Minimum  Payments.  You  may  pay  your  New  Balance  each 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to  pay  in 
monthly installments, you must pay at least the Minimum Payment Due 
shown on your Statement by the Payment Due Date. You may pay more 
than  the  Minimum  Payment  Due  and  may  at  any  time  pay  your  total 
balance due. We will apply payments to amounts owed on your Account 
based on applicable laws.  

9.      Minimum  Payments.  You  may  pay  your  New  Balance  each 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to  pay  in 
monthly installments, you must pay at least the Minimum Payment Due 
shown on your Statement by the Payment Due Date. You may pay more 
than  the  Minimum  Payment  Due  and  may  at  any  time  pay  your  total 
balance due. We will apply payments to amounts owed on your Account 
based on applicable laws.  

If your New Balance is greater than $20.00, then the Minimum Payment 
Due will be the greater of $20.00 or 3% of your total outstanding balance, 
plus  any  Late  Fee,  and  any  amount  that  is  delinquent.  If  the  New 
Balance  is  less  than  $20.00,  you  pay  only  the  New  Balance.  When  we 
calculate  the  Minimum  Payment  Due,  it  will  be  rounded  to  the  next 
highest $5.00 increment. 

If your New Balance is greater than $20.00, then the Minimum Payment 
Due will be the greater of $20.00 or 3% of your total outstanding balance, 
plus  any  Late  Fee,  and  any  amount  that  is  delinquent.  If  the  New 
Balance  is  less  than  $20.00,  you  pay  only  the  New  Balance.  When  we 
calculate  the  Minimum  Payment  Due,  it  will  be  rounded  to  the  next 
highest $5.00 increment. 

If your New Balance is greater than $20.00, then the Minimum Payment 
Due will be the greater of $20.00 or 3% of your total outstanding balance, 
plus  any  Late  Fee,  and  any  amount  that  is  delinquent.  If  the  New 
Balance  is  less  than  $20.00,  you  pay  only  the  New  Balance.  When  we 
calculate  the  Minimum  Payment  Due,  it  will  be  rounded  to  the  next 
highest $5.00 increment. 

If your New Balance is greater than $20.00, then the Minimum Payment 
Due will be the greater of $20.00 or 3% of your total outstanding balance, 
plus  any  Late  Fee,  and  any  amount  that  is  delinquent.  If  the  New 
Balance  is  less  than  $20.00,  you  pay  only  the  New  Balance.  When  we 
calculate  the  Minimum  Payment  Due,  it  will  be  rounded  to  the  next 
highest $5.00 increment. 

Your Account is not in good standing if at any time we do not receive at 
least the Minimum Payment Due by the 60th day after the Payment Due 
Date shown on the Statement.  

Your Account is not in good standing if at any time we do not receive at 
least the Minimum Payment Due by the 60th day after the Payment Due 
Date shown on the Statement.  

Your Account is not in good standing if at any time we do not receive at 
least the Minimum Payment Due by the 60th day after the Payment Due 
Date shown on the Statement.  

Your Account is not in good standing if at any time we do not receive at 
least the Minimum Payment Due by the 60th day after the Payment Due 
Date shown on the Statement.  

Minimum  Interest  Charge.  The  minimum  Periodic  INTEREST 
Minimum  Interest  Charge.  The  minimum  Periodic  INTEREST 
Minimum  Interest  Charge.  The  minimum  Periodic  INTEREST 
Minimum  Interest  Charge.  The  minimum  Periodic  INTEREST 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 

Cash  Advance  Fee.  In  addition  to  the  INTEREST  CHARGE  on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  there  is 
an  INTEREST  CHARGE  of  3%  (minimum  $5.00),  whichever  is  greater, 
for each Cash Advance posted to your Account that month. 

Cash  Advance  Fee.  In  addition  to  the  INTEREST  CHARGE  on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  there  is 
an  INTEREST  CHARGE  of  3%  (minimum  $5.00),  whichever  is  greater, 
for each Cash Advance posted to your Account that month. 

Cash  Advance  Fee.  In  addition  to  the  INTEREST  CHARGE  on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  there  is 
an  INTEREST  CHARGE  of  3%  (minimum  $5.00),  whichever  is  greater, 
for each Cash Advance posted to your Account that month. 

Cash  Advance  Fee.  In  addition  to  the  INTEREST  CHARGE  on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  there  is 
an  INTEREST  CHARGE  of  3%  (minimum  $5.00),  whichever  is  greater, 
for each Cash Advance posted to your Account that month. 

Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  current 
credit card, you may be charged a Replacement Card Fee of $5.00. No 
replacement  Card  will  be  allowed  on  the  third  lost  or  stolen  Card.  This 
fee is an INTEREST CHARGE. 

Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  current 
credit card, you may be charged a Replacement Card Fee of $5.00. No 
replacement  Card  will  be  allowed  on  the  third  lost  or  stolen  Card.  This 
fee is an INTEREST CHARGE. 

Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  current 
credit card, you may be charged a Replacement Card Fee of $5.00. No 
replacement  Card  will  be  allowed  on  the  third  lost  or  stolen  Card.  This 
fee is an INTEREST CHARGE. 

Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  current 
credit card, you may be charged a Replacement Card Fee of $5.00. No 
replacement  Card  will  be  allowed  on  the  third  lost  or  stolen  Card.  This 
fee is an INTEREST CHARGE. 

11.  Fees. Your Account is subject to the following fees, each of which 
will be charged to your Account as a Purchase: 

11.  Fees. Your Account is subject to the following fees, each of which 
will be charged to your Account as a Purchase: 

11.  Fees. Your Account is subject to the following fees, each of which 
will be charged to your Account as a Purchase: 

11.  Fees. Your Account is subject to the following fees, each of which 
will be charged to your Account as a Purchase: 

Late  Fee.  If  we  do  not  receive  a  payment  from  you  in  at  least  the 
amount of your Minimum Payment Due by the Payment Due Date shown 
on any Statement, you may be charged a Late Fee equal to the amount 
of the Minimum Payment Due up to a maximum of $25.00. 

Late  Fee.  If  we  do  not  receive  a  payment  from  you  in  at  least  the 
amount of your Minimum Payment Due by the Payment Due Date shown 
on any Statement, you may be charged a Late Fee equal to the amount 
of the Minimum Payment Due up to a maximum of $25.00. 

Late  Fee.  If  we  do  not  receive  a  payment  from  you  in  at  least  the 
amount of your Minimum Payment Due by the Payment Due Date shown 
on any Statement, you may be charged a Late Fee equal to the amount 
of the Minimum Payment Due up to a maximum of $25.00. 

Late  Fee.  If  we  do  not  receive  a  payment  from  you  in  at  least  the 
amount of your Minimum Payment Due by the Payment Due Date shown 
on any Statement, you may be charged a Late Fee equal to the amount 
of the Minimum Payment Due up to a maximum of $25.00. 

Returned Payment Fee. If you make a payment on your Account and 
your check or other payment instrument is not honored for any reason or 
cannot be processed, we may charge a Returned Payment Fee equal to 
the  amount  of  the  Minimum  Payment  Due  up  to  a  maximum  of 
$25.00.   

Returned Payment Fee. If you make a payment on your Account and 
your check or other payment instrument is not honored for any reason or 
cannot be processed, we may charge a Returned Payment Fee equal to 
the  amount  of  the  Minimum  Payment  Due  up  to  a  maximum  of 
$25.00.   

Returned Payment Fee. If you make a payment on your Account and 
your check or other payment instrument is not honored for any reason or 
cannot be processed, we may charge a Returned Payment Fee equal to 
the  amount  of  the  Minimum  Payment  Due  up  to  a  maximum  of 
$25.00.   

Returned Payment Fee. If you make a payment on your Account and 
your check or other payment instrument is not honored for any reason or 
cannot be processed, we may charge a Returned Payment Fee equal to 
the  amount  of  the  Minimum  Payment  Due  up  to  a  maximum  of 
$25.00.   

Account Handling Fee. If you are in default of this Agreement and it is 
necessary  for  us  to  place  restrictions  on  your  Account,  you  may  be 
charged an Account Handling Fee of $25.00. If these restrictions cause 
your Card to be retained and returned to us, you agree to pay all charges 
associated with recovering your Card.  

Account Handling Fee. If you are in default of this Agreement and it is 
necessary  for  us  to  place  restrictions  on  your  Account,  you  may  be 
charged an Account Handling Fee of $25.00. If these restrictions cause 
your Card to be retained and returned to us, you agree to pay all charges 
associated with recovering your Card.  

Account Handling Fee. If you are in default of this Agreement and it is 
necessary  for  us  to  place  restrictions  on  your  Account,  you  may  be 
charged an Account Handling Fee of $25.00. If these restrictions cause 
your Card to be retained and returned to us, you agree to pay all charges 
associated with recovering your Card.  

Account Handling Fee. If you are in default of this Agreement and it is 
necessary  for  us  to  place  restrictions  on  your  Account,  you  may  be 
charged an Account Handling Fee of $25.00. If these restrictions cause 
your Card to be retained and returned to us, you agree to pay all charges 
associated with recovering your Card.  

Reinstatement Fee. If we close your Account due to your default and 
we later reinstate your Account at your Employer’s request, you may be 
charged a Reinstatement Fee of $25.00. 

Reinstatement Fee. If we close your Account due to your default and 
we later reinstate your Account at your Employer’s request, you may be 
charged a Reinstatement Fee of $25.00. 

Reinstatement Fee. If we close your Account due to your default and 
we later reinstate your Account at your Employer’s request, you may be 
charged a Reinstatement Fee of $25.00. 

Reinstatement Fee. If we close your Account due to your default and 
we later reinstate your Account at your Employer’s request, you may be 
charged a Reinstatement Fee of $25.00. 

Statement Copy Fee. If you request a copy of a Statement, you may 
be charged a Statement Copy Fee of $2.50 per page. 

Statement Copy Fee. If you request a copy of a Statement, you may 
be charged a Statement Copy Fee of $2.50 per page. 

Statement Copy Fee. If you request a copy of a Statement, you may 
be charged a Statement Copy Fee of $2.50 per page. 

Statement Copy Fee. If you request a copy of a Statement, you may 
be charged a Statement Copy Fee of $2.50 per page. 

10.    INTEREST  CHARGES.  Your  Account  is  subject  to  the 
following interest charges, each of which will be charged to your Account 
as a Purchase: 

10.    INTEREST  CHARGES.  Your  Account  is  subject  to  the 
following interest charges, each of which will be charged to your Account 
as a Purchase: 

10.    INTEREST  CHARGES.  Your  Account  is  subject  to  the 
following interest charges, each of which will be charged to your Account 
as a Purchase: 

10.    INTEREST  CHARGES.  Your  Account  is  subject  to  the 
following interest charges, each of which will be charged to your Account 
as a Purchase: 

Periodic Interest Charges. An  INTEREST CHARGE is imposed 
Periodic Interest Charges. An  INTEREST CHARGE is imposed 
Periodic Interest Charges. An  INTEREST CHARGE is imposed 
on  Purchases  beginning  on  the  date  the  Purchase  is  posted  to  your 
on  Purchases  beginning  on  the  date  the  Purchase  is  posted  to  your 
on  Purchases  beginning  on  the  date  the  Purchase  is  posted  to  your 
Account. No INTEREST CHARGE will be imposed on your Purchases if 
Account. No INTEREST CHARGE will be imposed on your Purchases if 
Account. No INTEREST CHARGE will be imposed on your Purchases if 
the Previous Balance shown on your Statement is zero and you pay your 
the Previous Balance shown on your Statement is zero and you pay your 
the Previous Balance shown on your Statement is zero and you pay your 
New Balance in full by the Payment Due Date shown on your Statement. 
New Balance in full by the Payment Due Date shown on your Statement. 
New Balance in full by the Payment Due Date shown on your Statement. 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances  beginning  on 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances  beginning  on 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances  beginning  on 
the  date  they  are  obtained  and  continues  until  the  balance  of  your 
the  date  they  are  obtained  and  continues  until  the  balance  of  your 
the  date  they  are  obtained  and  continues  until  the  balance  of  your 
Account is paid in full. There is no time in which you can pay the balance 
Account is paid in full. There is no time in which you can pay the balance 
Account is paid in full. There is no time in which you can pay the balance 
of Cash Advances in order to completely avoid an INTEREST CHARGE. 
of Cash Advances in order to completely avoid an INTEREST CHARGE. 
of Cash Advances in order to completely avoid an INTEREST CHARGE. 

Periodic Interest Charges. An  INTEREST CHARGE is imposed 
on  Purchases  beginning  on  the  date  the  Purchase  is  posted  to  your 
Account. No INTEREST CHARGE will be imposed on your Purchases if 
the Previous Balance shown on your Statement is zero and you pay your 
New Balance in full by the Payment Due Date shown on your Statement. 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances  beginning  on 
the  date  they  are  obtained  and  continues  until  the  balance  of  your 
Account is paid in full. There is no time in which you can pay the balance 
of Cash Advances in order to completely avoid an INTEREST CHARGE. 

The INTEREST CHARGE is determined by multiplying the Average Daily 
Balance  for  Purchases  and  for  Cash  Advances  outstanding  during  the 
monthly billing cycle by the monthly Periodic Rate. The monthly Periodic 
Rate for Purchases and Cash Advances is 1.158% which is equivalent to 
an ANNUAL PERCENTAGE RATE of 13.9%.  

The INTEREST CHARGE is determined by multiplying the Average Daily 
Balance  for  Purchases  and  for  Cash  Advances  outstanding  during  the 
monthly billing cycle by the monthly Periodic Rate. The monthly Periodic 
Rate for Purchases and Cash Advances is 1.158% which is equivalent to 
an ANNUAL PERCENTAGE RATE of 13.9%.  

The INTEREST CHARGE is determined by multiplying the Average Daily 
Balance  for  Purchases  and  for  Cash  Advances  outstanding  during  the 
monthly billing cycle by the monthly Periodic Rate. The monthly Periodic 
Rate for Purchases and Cash Advances is 1.158% which is equivalent to 
an ANNUAL PERCENTAGE RATE of 13.9%.  

The INTEREST CHARGE is determined by multiplying the Average Daily 
Balance  for  Purchases  and  for  Cash  Advances  outstanding  during  the 
monthly billing cycle by the monthly Periodic Rate. The monthly Periodic 
Rate for Purchases and Cash Advances is 1.158% which is equivalent to 
an ANNUAL PERCENTAGE RATE of 13.9%.  

The Average Daily Balance is computed by taking the beginning balance 
of  your  Account  on  each  day,  calculated  separately  for  Purchases  and 
Cash  Advances,  adding  new  Purchases  and  Cash  Advances  and 
subtracting  any  payments  and  credits.  Any  resulting  credit  balance  is 
treated as a zero ($0.00) balance. This gives us the daily balance. The 
daily  balances  are  then  added  together  and  divided  by  the  number  of 
days in the billing cycle to get the Average Daily Balance. 

The Average Daily Balance is computed by taking the beginning balance 
of  your  Account  on  each  day,  calculated  separately  for  Purchases  and 
Cash  Advances,  adding  new  Purchases  and  Cash  Advances  and 
subtracting  any  payments  and  credits.  Any  resulting  credit  balance  is 
treated as a zero ($0.00) balance. This gives us the daily balance. The 
daily  balances  are  then  added  together  and  divided  by  the  number  of 
days in the billing cycle to get the Average Daily Balance. 

The Average Daily Balance is computed by taking the beginning balance 
of  your  Account  on  each  day,  calculated  separately  for  Purchases  and 
Cash  Advances,  adding  new  Purchases  and  Cash  Advances  and 
subtracting  any  payments  and  credits.  Any  resulting  credit  balance  is 
treated as a zero ($0.00) balance. This gives us the daily balance. The 
daily  balances  are  then  added  together  and  divided  by  the  number  of 
days in the billing cycle to get the Average Daily Balance. 

The Average Daily Balance is computed by taking the beginning balance 
of  your  Account  on  each  day,  calculated  separately  for  Purchases  and 
Cash  Advances,  adding  new  Purchases  and  Cash  Advances  and 
subtracting  any  payments  and  credits.  Any  resulting  credit  balance  is 
treated as a zero ($0.00) balance. This gives us the daily balance. The 
daily  balances  are  then  added  together  and  divided  by  the  number  of 
days in the billing cycle to get the Average Daily Balance. 

12.    Default/Collection  Costs.  Your  Account  will  be  in  default 
12.    Default/Collection  Costs.  Your  Account  will  be  in  default 
and we may demand immediate payment of the entire amount you owe 
and we may demand immediate payment of the entire amount you owe 
us without giving you prior notice, if: (a) your Minimum Payment Due is 
us without giving you prior notice, if: (a) your Minimum Payment Due is 
not  received  by  the  Payment  Due  Date;  (b)  you  make  Purchases  or 
not  received  by  the  Payment  Due  Date;  (b)  you  make  Purchases  or 
obtain  Cash  Advances  in  excess  of  your  credit  line;  or  (c)  you  provide 
obtain  Cash  Advances  in  excess  of  your  credit  line;  or  (c)  you  provide 
false information to us, misuse the Account or Card or violate any term of 
false information to us, misuse the Account or Card or violate any term of 
this Agreement.  We shall also have the right to all remedies provided by 
this Agreement.  We shall also have the right to all remedies provided by 
law  including,  without  limitation,  closing  or  refusing  to  renew  your 
law  including,  without  limitation,  closing  or  refusing  to  renew  your 
Account and demanding return of your Card(s). If we refer your Account 
Account and demanding return of your Card(s). If we refer your Account 
for collection to an attorney who is  not our regularly salaried employee, 
for collection to an attorney who is  not our regularly salaried employee, 
you  agree  to  pay  the  reasonable  fees of  such  attorney  and,  whether or 
you  agree  to  pay  the  reasonable  fees of  such  attorney  and,  whether or 
not an attorney is retained, all court and other collection costs (including 
not an attorney is retained, all court and other collection costs (including 
any amounts actually incurred by us in recovering your Card (s)).  
any amounts actually incurred by us in recovering your Card (s)).  

12.    Default/Collection  Costs.  Your  Account  will  be  in  default 
12.    Default/Collection  Costs.  Your  Account  will  be  in  default 
and we may demand immediate payment of the entire amount you owe 
and we may demand immediate payment of the entire amount you owe 
us without giving you prior notice, if: (a) your Minimum Payment Due is 
us without giving you prior notice, if: (a) your Minimum Payment Due is 
not  received  by  the  Payment  Due  Date;  (b)  you  make  Purchases  or 
not  received  by  the  Payment  Due  Date;  (b)  you  make  Purchases  or 
obtain  Cash  Advances  in  excess  of  your  credit  line;  or  (c)  you  provide 
obtain  Cash  Advances  in  excess  of  your  credit  line;  or  (c)  you  provide 
false information to us, misuse the Account or Card or violate any term of 
false information to us, misuse the Account or Card or violate any term of 
this Agreement.  We shall also have the right to all remedies provided by 
this Agreement.  We shall also have the right to all remedies provided by 
law  including,  without  limitation,  closing  or  refusing  to  renew  your 
law  including,  without  limitation,  closing  or  refusing  to  renew  your 
Account and demanding return of your Card(s). If we refer your Account 
Account and demanding return of your Card(s). If we refer your Account 
for collection to an attorney who is  not our regularly salaried employee, 
for collection to an attorney who is  not our regularly salaried employee, 
you  agree  to  pay  the  reasonable  fees of  such  attorney  and,  whether or 
you  agree  to  pay  the  reasonable  fees of  such  attorney  and,  whether or 
not an attorney is retained, all court and other collection costs (including 
not an attorney is retained, all court and other collection costs (including 
any amounts actually incurred by us in recovering your Card (s)).  
any amounts actually incurred by us in recovering your Card (s)).  

13.  Refusals to Honor Card. We are not responsible for refusals 
to  honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
regulations,  we  will  not  be  responsible  for  merchandise  or  services 
purchased through use of your Card. 

13.  Refusals to Honor Card. We are not responsible for refusals 
to  honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
regulations,  we  will  not  be  responsible  for  merchandise  or  services 
purchased through use of your Card. 

13.  Refusals to Honor Card. We are not responsible for refusals 
to  honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
regulations,  we  will  not  be  responsible  for  merchandise  or  services 
purchased through use of your Card. 

13.  Refusals to Honor Card. We are not responsible for refusals 
to  honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
regulations,  we  will  not  be  responsible  for  merchandise  or  services 
purchased through use of your Card. 

14.    Termination.  We  may  terminate  your  privileges  under  this 
Agreement or cancel or limit your privileges to make Purchases or obtain 
Cash  Advances  at  any  time,  with  or  without  cause  without  notice  or 
liability.  If  we  ask,  you  must  return  your  Cards  to  us,  cut  in  half.  You 
agree  that  you  will  not  try  to  make  any  Purchases  or  obtain  Cash 
Advances  after  you  have  been  notified  that  your  privileges  to  use  your 
Account  have  been  canceled.  You  may  cancel  this  Agreement  by 
returning all Cards issued on your Account to us, cut in half. Your or our 

14.    Termination.  We  may  terminate  your  privileges  under  this 
Agreement or cancel or limit your privileges to make Purchases or obtain 
Cash  Advances  at  any  time,  with  or  without  cause  without  notice  or 
liability.  If  we  ask,  you  must  return  your  Cards  to  us,  cut  in  half.  You 
agree  that  you  will  not  try  to  make  any  Purchases  or  obtain  Cash 
Advances  after  you  have  been  notified  that  your  privileges  to  use  your 
Account  have  been  canceled.  You  may  cancel  this  Agreement  by 
returning all Cards issued on your Account to us, cut in half. Your or our 

14.    Termination.  We  may  terminate  your  privileges  under  this 
Agreement or cancel or limit your privileges to make Purchases or obtain 
Cash  Advances  at  any  time,  with  or  without  cause  without  notice  or 
liability.  If  we  ask,  you  must  return  your  Cards  to  us,  cut  in  half.  You 
agree  that  you  will  not  try  to  make  any  Purchases  or  obtain  Cash 
Advances  after  you  have  been  notified  that  your  privileges  to  use  your 
Account  have  been  canceled.  You  may  cancel  this  Agreement  by 
returning all Cards issued on your Account to us, cut in half. Your or our 

14.    Termination.  We  may  terminate  your  privileges  under  this 
Agreement or cancel or limit your privileges to make Purchases or obtain 
Cash  Advances  at  any  time,  with  or  without  cause  without  notice  or 
liability.  If  we  ask,  you  must  return  your  Cards  to  us,  cut  in  half.  You 
agree  that  you  will  not  try  to  make  any  Purchases  or  obtain  Cash 
Advances  after  you  have  been  notified  that  your  privileges  to  use  your 
Account  have  been  canceled.  You  may  cancel  this  Agreement  by 
returning all Cards issued on your Account to us, cut in half. Your or our