JCB INTERNATIONAL CREDIT CARD CO., LTD. 
P. O. Box 71565, Los  Angeles, CA 90071-0565 
Cardmember Services (800) 366-4522 

JCB CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE UNDER THE FEDERAL TRUTH IN LENDING ACT 

Dear Cardmember: 

Before using the enclosed card, read this Agreement carefully.  This Agreement governs the JCB Credit Card Account (“Account”) and 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.  If 
your Card bears the mark of a JCB Affinity or Co-Branding Partner (Mitsuwa), then your Card is an Affinity Card or Co-Brand Card, and if your Card bears the JCB 
Standard Card mark, it is a Standard Card.  In each case, the terms specified below for those Cards and Accounts will apply to you, in addition to the other terms and 
conditions set forth 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  personal,  family  or 

1. 
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. 

PROMISE  TO  PAY.  You promise to pay us for all purchases, cash advances, interest charges, fees and other charges associated with your Account.  You 
3. 
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.  The Minimum Payment Due will be as 
follows:    (i)  for  residents  of  California,  5%  of  the  New  Balance  shown  on  your  billing  statement  or  $15  (whichever  is  greater),  or  (ii)  for  residents  of  Connecticut, 
Hawaii, Illinois, Nevada, New Jersey, New York, Oregon and Washington, 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 amount is applied at our discretion.  Any payments that exceed the Minimum Payment Due, are applied to the 
balance with the highest interest rate first. 

5. 
FOREIGN  TRANSACTIONS.    If  you  use  the  Card  for  a  transaction  in  a  currency  other  than  U.S.  dollars,  we  and  our  affiliate  company  will  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 your VARIABLE 

6. 
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  equal  to  8.5%  above  the  Prime  Rate.  This  applies  to  purchases,  cash  and  check  advances  shown  on  your 
statement.    For  residents  of  Oregon  and  Washington,  such  VARIABLE  ANNUAL  PERCENTAGE  RATE  shall  not  exceed  12.0%.  For  residents  of  California, 
Connecticut, Hawaii, Illinois, Nevada, New Jersey and New York, such VARIABLE ANNUAL PERCENTAGE RATE shall not exceed 16.0%. 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 December 8, 2009, the applicable Prime Rate is 3.25%.   

INTEREST  CHARGE  CALCULATION.  Interest charge on purchases and interest charge on cash or check advances are calculated separately.  We use a 

7. 
method called “average daily balances (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. 

8. 

OTHER FEES AND CHARGES.  

Annual Fee.  We will waive all annual Credit Card fees for your Account until you are notified otherwise. 

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 Illinois, 
New York, 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 Connecticut, Hawaii, Nevada and New Jersey, a late charge up to $15.00 is imposed for the billing period. 

No  Over-limit  Fee.  No  overlimit  fee  is  assessed  on  your  Account.  However,  please  note  that  we  may  decline  any  transaction  that  may  cause  you  to  exceed  your 
credit limit. 

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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, unless 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  applicants on  the 
9. 
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  derives  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., 700 S. Flower Street, Suite 1000, 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. 

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.  Your 
letter and the Card(s) must be sent to us at JCB International Credit Card Co., Ltd., 700 S. Flower Street, 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.  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.    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.   

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 have the right to cancel the Account. Closing or canceling the Account does not require you to immediately pay off the remaining balance. 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. 

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 is found to be unenforceable, the remainder of the Agreement will remain in full force and effect. 

24.  JCB CASH  BACK  PROGRAM.  Certain JCB Card products are eligible to receive JCB Cash Back Points when the Card is used for purchase (but not cash 
advances, check advances, Interest Charges, and other fees and charges). 

Mitsuwa  JCB  Card:    If  your  Card  bears  the  Mitsuwa  JCB  mark  on  its  face,  then  you  will  earn  one  JCB  Cash  Back  Point  for  every  $200.00  in  new  purchase 
transactions (net of  purchases, chargebacks, and chargeoffs) posted to  your Account during  a billing  period.   JCB Cash Back Points  will appear on  your Account 
monthly billing statement.  If your Account has at least five JCB Cash Back Points outstanding on your Account monthly billing statement, you may redeem the JCB 
Cash Back Points in writing or by telephone.  You are entitled to receive $2.00 for each JCB Cash Back Point redeemed, which will be credited to your Account.  

JCB Standard Card:  If your Card bears the JCB Standard Card mark, then you will earn one JCB Cash Back Point for every $100.00 in new purchase transactions 
(net of purchases, chargebacks, and chargeoffs) posted to your Account during a billing period.  JCB Cash Back Points will appear on your Account monthly billing 
statement.  If your Account has at least ten JCB Cash Back Point outstanding on your Account monthly billing statement, you may redeem the JCB Cash Back Points 
in writing or by telephone.  You are entitled to receive $1.00 for each JCB Cash Back Point redeemed, which will be credited to your Account. 

YOUR FEDERAL BILLING RIGHTS 

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

How To Notify Us In Case Of Errors Or Questions About Your Billing Statement. 

If you think there is an error on your statement, or if you want more information about a transaction on your billing statement, write 
to us as soon as possible at the address on your billing statement. 

We must hear from you no later than sixty (60) days after we sent you the first billing 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: 

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• 
• 

Your name and Account number. 
The dollar amount of the suspected error. 
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 sure about. 

Your Rights And Our Responsibilities After We Receive Your Written Notice. 

We must acknowledge your letter within thirty (30) days, unless the error has been corrected.  Within ninety (90) days, we must either correct the error or explain why 
we believe the statement is correct. 

After receiving 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 in question, 
including Interest Charges, and we can  
apply any unpaid amount against your credit limit.  You do not have to pay any portion of the amount in question while we are investigating, but you are obligated to 
pay the parts of your billing statement that are not in question. 

If we find that we made a mistake on your billing statement, you will not be required to pay any Interest Charges related to any of the amount in question.  If we are 
not in error, you may have to pay Interest Charges, and you will have to make up any missed payments on the amount in question.  In either case, we will send you a 
statement of the amount owed and the date it is due. 

If you fail to pay the amount we think you owe, we may report you as delinquent.  However, if our explanation does not satisfy you and you write to us within ten (10) 
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.  When the matter is settled, we must tell anyone we report you to that the matter has been settled. 

If we don’t follow these rules, we cannot collect the first $50.00 of the amount in question, even if your bill was correct. 

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: 

(a)  You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current mailing address; 

and 

(b) 

The purchase price must have been more than $50.00. 

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

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash and Check Advances 
(including Balance Transfers) 
Paying Interest  

For Credit Card Tips from the 
Federal Reserve Board 

11.75%* 
This APR will vary with the market based on the Prime Rate 
11.75%* 
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 Federal Reserve Board at 
http://www.federalreserve.gov/creditcard 

Fees 
Set-up and Maintenance Fees 
•  Annual Fee 

$0 

Transaction Fees 
•  Cash and Check Advance        
(including Balance Transfers) 

Either $2 or 2% of the amount of each cash or check advance 
(including balance transfers), whichever is greater 

•  Foreign Transaction 
Penalty Fees 
•  Late Payment 

1.1% on each transaction before conversion to U.S. dollars. 

For Illinois, New York, Oregon or Washington residents: $0.00 
For California residents: Up to $10.00 
For all others: Up to $15.00 

•  Over-the-Credit Limit 

•  Returned Check 

＄0.00 

＄0.00 

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 December 
8, 2009, 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.  The APR will not exceed 18.0%.   

Notice to New York Residents:  New York residents may contact the New York State Banking 
Department to obtain a comparative history of credit card rates, fees and grace periods at 800-522-
3330. 

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