JCB INTERNATIONAL CREDIT CARD CO., LTD. 
800 W Sixth Street, Suite 200, Los Angeles, CA 90017 
Cardmember Services (800) 366-4522 

Dear Cardmember: 

JCB CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE UNDER THE FEDERAL TRUTH IN LENDING ACT 

Before using the enclosed card, read this Agreement carefully.  This Agreement governs the Marukai California Premium JCB Credit Card Account 
(“Account”)  and  the  Marukai  California  Premium  JCB  Card  (“Card”)  that  JCB  International  Credit  Card  Co.,  Ltd.  (“we”,  “us,”  or  “our”)  has 
established by you.  By signing, accepting or using the Card, you agree to all of the terms written below.  We thank you for choosing JCB. 

USE  OF  ACCOUNT.    You  can  use  your  Card  to  obtain  cash,  goods,  or  services.    You  agree  that  you  will  use  your  Card  primarily  for 

1. 
personal, family or household purposes. 

Purchases.  You can use your Card to pay for goods and services at any and all merchant locations and service providers that honor the Card.  
Any such use of your Card will be treated as a “purchase.” 

Cash Advance.  You can use your Card to obtain cash from branch offices of participating financial institutions or automated teller machines 
(“ATM”) linked to a participating ATM network.  Any such use of your Card will be treated as a “cash advance.” 

Convenience Checks.  We may, from time to time, issue convenience checks to you.  Convenience Checks allow you to write a check to a third 
party and the check is drawn against the Account.  Convenience Checks are treated the same as cash advances and are referred to in this 
Agreement as “check advances.” 

2. 
CREDIT  LIMIT / CASH  LIMIT.  You agree not to make purchases that result in your Account balance exceeding the credit limit we set for 
your  Account.    You  agree  not  to  make  cash  or  check  advances  that  result  in  your  Account  balance  exceeding  the  cash  limit  we  set  for  your 
Account.    The  initial  credit  limit  is  set  forth  on  the  face  of  your  Card  carrier.    The  credit  limit  and  the  cash  limit  can  be  found  on  your  monthly 
statement.  We reserve the right to reduce your credit limit or cash limit. 

3. 
PROMISE TO PAY.  You promise to pay us for all purchases, cash advances, interest charges, fees and other charges associated with your 
Account.  You also agree to be responsible for charges (i) incurred by persons who have actual, implied or apparent authority to use your Card(s) 
and/or Account or (ii) from which any of you receives benefit, whether tangible or intangible. 

4. 
PAYMENTS.  Each month you will be billed for charges to your Account.  You may elect to pay only a portion of the amounts owing on your 
Account each month, but you agree to pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement.   (i) for 
California residents, 5% of the New Balance shown on your billing statement or $15 (whichever is greater) plus any part of the previous month’s 
Minimum Payment Due that is past due, and any amount by which your New Balance exceeds your assigned credit limit.  A New Balance of $15 
or less must be paid in full, or (ii) for all others, 3% of the New Balance shown on your billing statement or $15 (whichever is greater), plus any part 
of the previous month’s Minimum Payment Due that is past due, and any amount by which your New Balance exceeds your assigned  credit limit.  
A New Balance of $15 or less must be paid in full. 

Payments 1) received by 5 p.m. local time at the address shown on the remittance coupon on the front of your billing statement; 2) paid with check 
or draft drawn in US dollars on a U.S. financial institution or a U.S. dollar money order; and 3) sent in the return envelope with only the remittance 
coupon  from  your  billing  statement,  will  be  posted  on  the  same  business  day  of  the  receipt.    Payments  received  after  5  p.m.  local  time  at  the 
remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements; will be credited as of the next 
business day.  Any  other  payments, credit  may be  delayed up to  five days.   Payments  received  with post-dated checks will  be  deposited  upon 
receipt. 

The Payment Due Dates for your Account will always fall on the same date each month and you have 27 days from your Statement Closing Date 
until the next Payment Due Date. If your due date falls on a weekend or holiday, your payments received on the next business day will be credited 
to your Account as received on the due date without late penalties. 

We can accept late payments and partial payments marked “Payment in Full” (or similar language) without losing our rights including the right to 
obtain full payment of the amount owed on your Account.  

Payment by third party check or draft that has been endorsed by you to us is not acceptable.  Payment by check or draft made  directly to us but 
drawn by anyone other than you may be rejected at our option. 

How we apply your payments: The Minimum Payment Due is applied at our discretion.  Any payments that exceed the  Minimum Payment Due, 
are applied to the balance with the highest interest rate first. 

FOREIGN  TRANSACTION.    If  you use the Card for a  transaction in a currency  other than U.S. dollars, we and our affiliate company  will 
5. 
convert such transaction amount into U.S. dollars pursuant to the then-applicable conversion procedures and operating regulations.  Currently, we 
and  our  affiliate  company  use  wholesale  exchange  rates,  with  the  exception  of  certain  currencies  where  there  are  government-mandated 
exchange rates.  In each case, such applicable rate will be increased by 1.1% by our affiliate company as an exchange fee and we will bill you for 
the U.S. dollar amount so calculated.  If a credit is issued for a transaction, the credit amount will be calculated in the same manner.  The currency 
conversion rate  used  on the  conversion  date may  differ from the rate in effect on the date  you  transact on  the Card or the date on which such 
transaction is posted.  You agree to accept such converted amount in U.S. dollars. 

VARIABLE RATE INFORMATION.  If you carry a balance or transact Cash or Check Advances on your Account, we will charge interest at 

6. 
your VARIABLE ANNUAL PERCENTAGE RATE.  

The VARIABLE ANNUAL PERCENTAGE RATE may  change quarterly on the first day of the billing cycle beginning in April, July, October, and 
January,  based  on  the  Prime  Rate  on  the  second  Tuesday  on  March,  June,  September,  and  December.    Any  increase  will  have  the  effect  of 
higher monthly payments and higher interest charges.  If The Wall Street Journal stops publishing the Prime Rate, we reserve the right to choose 
a comparable index. 

The  VARIABLE  ANNUAL  PERCENTAGE  RATE  is  calculated  by  adding  9.9%  to  the  Prime  Rate.  This  applies  to  purchases,  cash  and  check 
advances shown on your statement.  For California and Nevada residents, such VARIABLE ANNUAL PERCENTAGE RATE shall not exceed 18.0%. 
For  Oregon  and  Washington  residents,  such  VARIABLE  ANNUAL  PERCENTAGE  RATE  shall  not  exceed  12.0%.    The  INTEREST  CHARGE  is 
posted to your Account at the end of the billing cycle in a single amount as part of the New Balance. As of September  9 , 2014, the applicable 
Prime Rate is 3.25%.  Daily periodic rate currently is 0.036027% for California and Nevada residents, and 0.032877% for Oregon and Washington 
residents. 

PERIODIC  INTEREST  CHARGE  CALCULATION.    Interest  charge  on  purchases  and  interest  charge  on  cash  or  check  advances  are 

7. 
calculated separately. We use a method called “average daily balance (including new purchases)” as follows: 

PURCHASE BALANCE SUBJECT TO PERIODIC INTEREST CHARGE:  If you pay your New Balance at the beginning of a billing cycle in full by 
the Payment Due Date, no Periodic Interest Charges will be imposed on purchase transactions for the billing cycle.  For balances not paid in full, 
we will determine the daily purchase balance by (a) starting with the day’s beginning purchase balance for the Account, (b) adding any purchases 
or other charges posted that day, (c) subtracting any payments or credits posted that day, and (d) subtracting any outstanding cash and check 
advances, Interest Charges or Account fees, (e) dividing the sum of (a) to (d) by the number of days in the billing cycle. 

CASH AND CHECK ADVANCE BALANCE SUBJECT TO  PERIODIC  INTEREST CHARGES:  We   will determine the cash and check advance 
balance subject to periodic Interest Charges by (a) starting with the day’s beginning cash balance for the Account, (b) adding any cash and check 
advances, (c) subtracting any payments or credits  posted that day, and (d) subtracting any outstanding purchases,  Interest Charges or Account 
fees, (e) dividing the sum of (a) to (d) by the number of days in the billing cycle. 

Transaction  Interest Charge.  Each time you obtain a cash  or check advance, you agree to pay an INTEREST  CHARGE of $2.00 or 2% of the 
amount  of  the  advance,  whichever  is  greater.    The  assessment  of  a  cash  or  check  advance  Interest  Charge  may  increase  the  VARIABLE 
ANNUAL PERCENTAGE RATE on your periodic statement above the corresponding VARIABLE ANNUAL PERCENTAGE RATE. 

Grace Period For Purchases.  We will not assess a Periodic Interest Charge on purchases in a billing cycle if we receive the New Balance shown 
on your previous billing statement by the Payment Due Date (which is twenty-seven (27) days after the closing date of the billing cycle).  If we do 
not receive the entire New Balance by the Payment  
Due  Date,  Periodic  Interest  Charges  will  accrue  on  all  purchases,  from  the  beginning  of  the  billing  cycle  or  the  date  they  were  posted  to  your 
Account, whichever is later. 

No Grace Period For Cash and Check Advances.  There is no grace period for cash and check advances.  Periodic Interest Charges accrue on 
advances from the date they are posted to the Account. 

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8.  OTHER FEES AND CHARGES.  

Annual Fee.  There will be no annual credit card fee imposed for the first year.  After that, an annual credit card fee of $15.00 will be imposed. 

Late Charge Fee.  You will  have at least twenty-seven  (27)  days between the Billing Cycle Closing Date and the Payment Due Date  shown on 
your  billing  statement.    If  we  do  not  receive  the  Minimum  Payment  Due  within  two  days  after  the  Payment  Due  Date,  you  agree  to  pay  a  late 
charge as follows:  (i) for residents of Oregon and Washington, no late charge is imposed, (ii) for residents of California, a late charge up to $10.00 
is imposed for the billing period, and (iii) for residents of Nevada, a late charge up to $15.00 is imposed for the billing period. 

No Over-limit Fee. No over-limit fee is assessed on your Account. However, please note that we may decline any transaction that may cause you 
to exceed your credit limit. 

Dishonored Check Charge.  You agree to pay a dishonored check charge for each dishonored check or money order presented to us for payment 
as follows: (i) for residents of California, Washington or Oregon, no dishonored check charge is imposed for the billing period (ii) for residents of 
Nevada, a dishonored check charge up to $15.00 is imposed for the billing period. We reserve the right to impose the interest charge for the billing 
period in accordance with the Agreement for the payment amount that was not processed. 

Service Charges.  If you request a duplicate statement or copy of any sales draft or other document concerning any charge reflected on  a billing 
statement, we will supply copies for $5.00 each, payable in advance.  If you request information that requires research, a fee of $15.00 per hour 
will be charged to your Account.  However, if any request for copies or research is made to dispute a charge on the Account, and it turns out the 
charge was in error, we will credit the Account for any service charges imposed. 

Collection Costs.  You agree to pay the costs of collecting the Account or retrieving the Card, including court costs and reasonable attorneys’ fees 
and costs, whether or not a lawsuit is filed. 

Fees Related to Method of Payment. 
 We  will  not  impose  a  separate  fee  to  allow  you  to  repay  an  extension  of  credit  or  Interest  Charge, 
whether  such  repayment  is  made  by  mail,  electronic  transfer,  telephone  authorization,  or  other  means,  including  such  payment  involves  an 
expedited service by us to avoid late charges. 

The above fees and charges will be assessed to the extent permitted by applicable law. 

EQUAL  CREDIT  OPPORTUNITY  ACT  NOTICE.  The federal Equal  Opportunity Act prohibits creditors from discriminating against credit 
9. 
applicants  on  the  basis  of  race,  color,  religion,  national  origin,  sex,  marital  status,  age  (provided  the  applicant  has  the  capacity  to  enter  into  a 
binding contract); because all or part of the applicant’s income drives from any public assistance program; or because the applicant has in good 
faith exercised any right under the Consumer Credit Protection Act.  

10.  CREDIT BALANCE. If a credit balance (represented by an amount with a minus “-“ sign) is shown on your statement, it represents money 
owed  to  you.    If  you  do  not  make  sufficient  charges  against  the  credit  balance  or  request  a  refund,  we  will  issue  a  check  to  you  for  the  credit 
balance if the amount is $1.00 or more within 30 days after expiration of the six month period following the date of the first statement indicating the 
credit balance.  To obtain a refund of a credit balance, please write to us at JCB International Credit Card Co., Ltd.,  
800 W Sixth Street, Suite 200, Los Angeles, CA 90017. 

11.  FINANCIAL DATA AND CREDIT INFORMATION.  You agree to give us a current financial statement or new credit information, from time to 
time, upon request.  From time to time we may release information about our experience with  you and your credit records to credit bureaus and 
others.  We can reinvestigate any  information  you provided  on  your application at any  time,  and  in the  course  of doing so  we may  ask  you for 
additional information, request credit bureau reports and otherwise verify your credit standing. 

12.  CHANGE OF PERSONAL INFORMATION.  You agree to notify us immediately of any change in your name or address.  Your notice must 
be sent to us at the address appearing on the front of your statement. 

13.  UNAUTHORIZED  USE.   You  agree to contact us by telephone immediately if someone uses your Card without your permission  or if your 
Card is lost or stolen.  You can call toll-free, twenty-four (24) hours a day, at: 800-366-4522.  We will replace your card(s) without any fees. 

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, orally or 

in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.00. 

14.  MERCHANT  RELATIONS.   We will not  be  responsible if  any merchant or financial  institution  refuses to  honor  your  Card.    If  you  have a 
dispute  concerning  any  merchandise  or  service  purchased  using  your  Account,  you  agree  to  attempt  to  resolve  the  dispute  directly  with  the 
merchant.  We will not be responsible for errors in cash advance transactions that are due to malfunctions in ATMs. 

15.  AUTHORIZATIONS.    We  reserve  the  right  to  deny  authorization  of  any  purchase  or  cash  or  check  advance  transaction  without  prior 
notification. You agree that neither we nor any merchant or authorization service we use, shall be liable for any authorization denial. 

16.  TERMINATION OF ACCOUNT. 

Termination By You.  You may terminate your Account at any time by returning all current Card(s) to us and writing us that you wish to cancel the 
Account.  No termination fee will be charged to you.  Your letter and the Card(s) must be sent to us at JCB International Credit Card Co., Ltd., 800 
W Sixth Street, Suite 200, Los Angeles, CA 90017. 

Termination By Us.  We may terminate your Account at any time, with or without cause, upon giving you only such notice as is required by law.  
No termination fee will be charged to you.  If we terminate your Account, you must immediately return all Card(s) and Convenience Check(s) to us.  
Any use of Card(s)  or  Convenience  Check(s)  after  your  Account  has  been terminated may be considered fraudulent.   Terminating  the  Account 
does not require you to immediately pay off the remaining balance. 

If  you  or  we  terminate  your  Account,  you  will  still  be  responsible  for  charges  to  your  Account,  even  if  they  are  made  or  processed  after  your 
Account is closed.  You will be responsible to pay the outstanding balance on your Account according to the terms of this Agreement. 

17.  CARD SURRENDER.  You agree to surrender such Card to us or to our agents upon demand, and to promptly cease use of and return all 
Cards and Convenience Checks upon termination of your Account. 

18.  LIABILITY.  If you applied for an Account as an individual and were approved, then your Account is an individual Account.  If you applied for 
an Account with another person as a joint Account and were approved, then your Account is a joint Account.  If you requested that an additional 
person be given a Card to use your Account (whether the Account is an individual Account or a joint Account), and we issued you an additional 
Card for  that  person, then that  person  is  an  Authorized  User.    If  your  Account  is an individual  Account,  you  are liable for the  full  amount  of  all 
purchases, cash and check advances, Interest Charges, miscellaneous charges and fees, and any other monetary obligations associated with the 
Account, including charges in excess of your credit limit and including any charges by an Authorized User.  If your Account is a joint Account, each 
of  you  has  the  right  to  use  the  Account  to  the  extent  of  the  credit  limit  and  each  of  you  is  jointly  and  severally  liable  for  the  full  amount  of  all 
purchases, cash and check advances, Interest Charges, miscellaneous charges and fees, and any other monetary obligations associated with the 
Account, including charges in excess of your credit limit and including any charges by an Authorized User or by the joint applicant on your joint 
Account. 

19.  WAIVERS.  We may waive or decline to enforce any of our rights under this Agreement at any time without affecting our ability to enforce 
those same rights at another time.  Our ability to enforce our remaining rights is not affected if we waive any of our rights. 

20.  ELECTRONIC TERMINALS.  If you have been or are later given a Personal Identification Number (“PIN”) to access your Account at ATMs, 
you agree not to disclose your PIN to others.  You also agree that we may terminate your use of ATMs without cause or prior notice. 

21.  CHANGE IN  TERMS.  Subject to applicable law, we can change the terms of this Agreement, including terms relating to interest rates and 
fees that may be imposed and including adding new contract terms that differ in kind from the terms and conditions included in this Agreement, at 
any time.   

Subject to applicable law, you will  be  notified of significant changes in terms of the Account, including interest rates and fees, not later than 45 
days prior to the effective date. When certain terms change, you may have the right to cancel the Account. Closing or canceling the Account does 
not require you to immediately pay off the remaining balance. With some exceptions, you can also opt out of, or refuse, those changes before the 
effective date except  your Minimum Payment Due. Once you opt out of, or refuse those changes, 1) your Account may be closed, 2) JCB Cash 
Back Points Program may be cancelled and 3) Card benefits become unavailable.  

No increase in annual percentage rate (APR), fee, or Interest Charge on your credit card Account shall be effective before the end of the 1-year 
period beginning on the date on which your Account is opened. Changes in a variable rate that occur quarterly in the index are not included in this 
limitation. 

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22.  ASSIGNMENT.  We have the right to assign all or any portion of this agreement and the outstanding balance of your Account at any time, 
without providing prior notice. 

23.  GOVERNING LAW/CONFLICTING TERMS.  The rights and obligations between you and us concerning the Account are governed by and 
interpreted  according  to  California  and  federal  law.    Your  Account  has  been  approved  and  agreed  to  in  California,  credit  is  extended  to  you  in 
California, your payments are received in California, and your payments are completed when we actually receive collected funds in California from 
your  payment  check.    Any  dispute  between  you  and  us  will  be  decided  under  California  law.    The  terms  of  this  Agreement  supersede  any 
conflicting terms set forth on any sales slip or advance document.  If any one or more parts of this Agreement are found to be unenforceable, the 
remainder of the Agreement will remain in full force and effect. 

24.  JCB CASH BACK.  Your Account is eligible to receive JCB Cash Back Points when the Card is used for purchase (but not cash advances, 
check advances, finance charges, and other fees and charges).   
 1) You will earn one (1) JCB Cash Back point for every $100.00 in net purchases transactions (net of purchases, chargebacks, and chargeoffs) 
posted to your Account during a billing period for first $1,000.00 purchases from the first statement cycle in each calendar year. 
 2)  You  will  also  earn  two  (2)  JCB  Cash  Back  points  for  every  $100.00  in  net  purchases  transactions  (net  of  purchases,  chargebacks,  and 
chargeoffs) posted to your Account during a billing period for next $2,000.00 purchases in the same calendar year. 
 3)  You  will  also  earn  three  (3)  JCB  Cash  Back  points  for  every  $100.00  in  net  purchases  transactions  (net  of  purchases,  chargebacks,  and 
chargeoffs) posted to your Account during a billing period for over $3,000.00 purchases in the same calendar year.   
 4) You will also earn fifteen (15) JCB Cash Back bonus points if the purchases over $1,000.00 in each calendar year, or fifty (50) JCB Cash Back 
bonus points if the purchases over $5,000.00 in each calendar year. 

If  your  Account  has  at  least  ten  (10)  JCB  Cash  Back  Points  outstanding  on  your  Account  monthly  billing  statement,  you  may  redeem  the  JCB 
Cash Back Points to Cash Back in writing or by telephone.  You are entitled to receive $1.00 Cash Back for every one (1) JCB Cash Back Point 
redeemed, which will be credited to  your  Account.  A credit balance can not be refunded if such credit balance resulted from the redemption of 
JCB  Cash  Back  Points.  JCB  Cash  Back  Points  in  one  calendar  year  expire  at  the  end  of  the  next  calendar  year.  JCB  Cash  Back  Points 
Redemption requests for closed or past due status Accounts will not be processed. 

25.  MARUKAI MEMBERSHIP.  You are required to remain a legal resident of the States of California, Nevada, Oregon or Washington and to 
maintain your membership with Marukai Corporation (“Marukai membership”) to maintain your Account and Card.  Marukai Corporation currently 
provides  the  Marukai  California  Premium  JCB  Card  feature  of  regular-fee  “regular”  Marukai  memberships  charged  at  $10.00  annually.    In  the 
event that the termination of your Marukai membership is known to us, we reserve the right to replace your Account and Card with a JCB Standard 
Card  Account.    You  will  receive  a  new  Agreement  which  governs  the  JCB  Standard  Card  Account.    Your  Marukai  membership  is  a  Marukai 
Corporation program, and we have no control over or responsibility over such program.  You agree to comply with the terms and conditions of your 
Marukai Corporation program.  Your  Marukai membership will be subject to said terms and conditions a separate  agreement that  you executed 
with Marukai Corporation.  The anniversary date of your Marukai membership will be superseded by the anniversary date of your Account.  After 
your first anniversary date, the Marukai Membership Charge that is assessed by Marukai Corporation on your Marukai membership will be billed to 
your Account on an annual basis.  Marukai Corporation is not a party to this Agreement, does not participate in any extensions of credit under this 
Agreement, and has no authority  to make any credit decisions or other decisions relating to the Account.   You authorize Marukai to verify  your 
Marukai  membership  status  with  us,  and  you  authorize  us  to  notify  Marukai  if  and  when  you  become  a  Marukai  California  Premium  JCB 
Cardmember and in the event that you cease to be a Marukai California Premium JCB Cardmember. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

and  Check 
(including  Balance 

for  Cash 

APR 
Advances 
Transfers) 
Paying Interest  

For Credit Card Tips from the 
Consumer Financial  
Protection Bureau 

Fees 
Set-up and Maintenance Fees 
  Annual Fee 

Transaction Fees 
  Cash and Check Advance  
(including Balance Transfers) 

Foreign Transactions 

 
Penalty Fees 
 
Late Payment 
  Over-the-Credit Limit 
  Returned Check 

13.15%* 
This APR will vary with the market based on the Prime Rate 
13.15%* 
This APR will vary with the market based on the Prime Rate 

Your due date is at least 27 days after the close of each billing cycle.  We will not 
charge you interest on purchases if you pay your entire balance by the due date each 
month.    We  will  begin  charging  interest  on  cash  and  check  advances  (including 
balance transfers) on the posted date. 
To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

NO ANNUAL FEE for the first year.  
$15.00 annually from the second year. 

Either  $2  or  2%  of  the  amount  of  each  cash  or  check  advance  (including  balance 
transfers), whichever is greater 

1.1% on each transaction before conversion to U.S. dollars. 

Up to $15.00**   the amount of the fee varies by state 
$0.00 
Up to $15.00**   the amount of the fee varies by state 

How We Will Calculate Your Balance:  
We use a method called “average daily balance (including new purchases).” 
The Prime Rate used to determine the APR is the rate published in The Wall Street Journal on  September 9, 2014, which 
was 3.25%.  The APR may change quarterly on the first day of the billing cycle beginning in April, July, October and January, 
based on the Prime Rate on the second Tuesday of March, June, September and December.   
*California and Nevada APR will not exceed 18.0%.  Oregon and Washington APR will not exceed 12.0%.  
**Late payment fees will be $0.00 for Oregon or Washington residents; up to $10.00 for California residents; up to $15.00 for 
Nevada residents. 
Returned check fees will be $0.00 for California, Oregon, or Washington residents; up to $15.00 for Nevada residents. 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at: 

JCB International Credit Card Co., Ltd. 
800 W Sixth Street, Suite 200, Los Angeles, CA 90017 

In your letter, give us the following information: 

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• Account information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error. 
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error appeared on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the 
error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send 
you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount 
we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If  you  are  dissatisfied  with the  goods  or  services  that  you have purchased  with  your  credit  card, and  you have tried  in good faith  to correct the 
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we 
own the company that sold you the goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses 
your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

JCB International Credit Card Co., Ltd. 
800 W Sixth Street, Suite 200, Los Angeles, CA 90017 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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MCP-TILA (09-2014)