BILT Consumer Credit Card Agreement 
There are two parts to this Credit Card Agreement (the “Agreement”): Rates and Fees Table and Consumer Card Agreement. The 
Rates and Fees Table shows the rates and fees for your credit card. The Agreement contains important information related to your 
credit card issued by Evolve Bank & Trust. Bank has agreed to lend you money as described in this Agreement, and you agree to pay 
us back together with interest charges and fees. Your use  or activation of the Card and any transaction using the Card or Account 
indicates your acceptance of the terms of this Agreement. If any fee in the Rates and Fee Table is marked “none,” the section of this 
Agreement that relates to that fee does not apply. 

Rate and Fees Table 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

14.99% - 27.99%.  

APR for Cash Advances 

Paying Interest 

25.0% - 27.99%.  

Your due date is at least 21 days after the close of each billing cycle. We will not charge 
interest on new purchases, provided you have paid your previous balance in full by the due 
date each month. We will begin charging interest on cash advances on the transaction   

Minimum Interest Charge 

None. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

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 

Annual Fee 
Transaction Fees 
•  Cash Advance Fee 
•  Foreign Transaction Fee 

$0 

Fees 

The greater of either $10 or 5% of the amount of each transaction. 
None. 

Penalty Fees 
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Late Payment 
•  Return Payment 
•  Over-the-credit-limit 

Up to $37.  
Up to $37. 
$0 

Note: Your credit card is not eligible for balance transfers.  

How We Will Calculate Balances:  We use a  method called “average daily balance” (including new transactions). See How Do  You 
Calculate the Interest Charge? below for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See 
Your Billing Rights section for full details.  

Can You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by 
law, we will send you notice before doing so.  

What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is 0.0411% - 
0.0767% and Cash Advance APR is 0.0685% – 0.0767%. 

How Can I Avoid Paying Interest Charges?  If you pay your statement’s “New Balance” in full by the due date, we will not  charge 
interest on any new transactions that post to the purchase balance. If you have been paying your  Account in full without interest 
charges, but fail to pay your next “New Balance” in full, we will charge interest on the unpaid balance. For cash advances, we will start 
charging interest on the transaction date.  

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How Is The Interest Charge Applied? Interest charges accrue from the (1) date of the transaction; (2) date the transaction is processed; 
or (3) first calendar day of the billing cycle. Interest charges accrue on every unpaid amount until it is paid in full. This means you may 
owe interest charges even if you pay the entire “New Balance” one month but did not do so for the previous month. Unpaid interest 
charges are added to the applicable transaction type (e.g., purchase or cash advance) of your account. However, we reserve the right 
to not assess interest charges at any time. 

Minimum Payment: We will calculate the minimum payment as the larger of: 1) $35 (or the total amount you owe if less than $35), 
or 2) the sum of 1% of the new balance (less any unpaid charges made through the Bilt application), the periodic interest charges, any 
unpaid charges made through the Bilt application, any past due minimum payment amounts and late fees we have billed you on the 
statement for which your minimum payment is calculated. 

How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions). Under this 
method, we first calculate your daily balance; for  each transaction type (e.g., purchases and cash advances), 1) take the beginning 
balance and add in new transactions and the periodic interest charge on the previous day’s balance, then 2) subtract any payments 
and credits for the specific transaction types as of that day. The result is the daily balance for each transaction type. However, if you 
paid your previous month’s balance in full (or if your balance was zero or a credit amount), new transactions which post  to your 
account are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 

Next, to find your Average Daily Balance: 1) add the daily balances together for each transaction type, and 2) divide the sum by the 
number of days in the billing cycle. 

At the end of each billing cycle, we determine your interest charge as follows: 1) multiply your Average Daily Balance by the daily 
periodic rate (APR divided by 365) for that transaction type, and 2) multiply the result by the number of days in the billing cycle. NOTE: 
Due to rounding, this calculation may vary from the interest charge actually assessed. 

Military  Lending  Act  Notice:  Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their  dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her 
dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; 
any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation 
fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your 
payment obligation, please call 844-389-5900. 

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Consumer Card Agreement 

Thank you for opening a credit card account with us. This Agreement, and any future changes to it, is your contract with us and 
governs your credit card. 

We reserve the right to amend this Agreement at any time, by adding, deleting or changing provisions of this Agreement. When 
required by law, we will send you notice before doing so. If any amendment gives you the opportunity to reject the change, and if 
you reject the change in the manner provided in such amendment, we may terminate your right to receive credit and may ask you 
to return all credit access devices as a condition of your rejection. We may replace your Card with another Card at any time.  

This Agreement will continue to apply whether or not you use your Card or Account. It will continue to apply even after your Account 
is closed, as long as you have a balance or owe us. 

PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION 
PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. 

Definitions 

All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below. 

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connection with this Agreement. Account includes the account to which any credit transaction or charge by you may be posted. 

“Account”  means  your  account  designated  and  maintained  by  the  Bank  in  relation  to  the  credit  provided  under  or  in 

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shows the closing data, which is the last day of the Billing Cycle.  

“Billing Cycle” means the time period between billing statements and is used to manage your Account. Each Statement 

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to you to receive credit under this Agreement. This includes all renewals and substitutions. 

“Card” means one or more cards or other access devices, including your account number or virtual card, that we may issue 

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money orders and foreign currency.  

“Cash Advance” means a loan in cash or cash equivalents, including, but not limited to, wire transfers, travelers’ checks, 

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“Fees” means charges imposed on your Account not based on the Annual Percentage Rates. 

“Interest Charges” means any charges to your Account based on the application of Annual Percentage Rates. 

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image of these instruments. 

“Item” means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any 

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fees are considered Purchases, but Cash Advances are not considered Purchases. 

“Purchase” means the use of your Account or Card to buy or lease goods or services. Tax payments and any other associated 

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“Servicer” means Bilt or Bilt’s designated third-party servicer.  

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transactions billed to your Account during a Billing Cycle and information about payment owed to us.  

“Statement” means the periodic statement we mail to you in connection with your Account. Your Statement will include  all 

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“Truth-in-Lending  Disclosures”  means  disclosures  that  the  federal  Truth  in  Lending  Act  and  Regulation  Z  require  for  any 
Account. This includes your application and solicitation disclosures, Account opening disclosures, any disclosures provided as part of 
this Agreement, subsequent disclosures, Statements, and change in terms notices. 

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assignees. 

“We,”  “us,”  “our,”  and  “Bank”  mean  Evolve  Bank  &  Trust,  and  its  agents,  authorized  representatives,  successors,  and 

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any person responsible for complying with this Agreement. 

“You” and “your” mean each applicant and co-applicant for the Account, any person responsible for paying the Account, and 

Account Documents 

The following Account Documents govern your Account with us: 

(1)  this Agreement; 

(2)  all Statements; 

(3)  any rewards program terms, conditions, and disclosures; 

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(4)  any privacy notices; 

(5)  any Card benefits brochure which describes benefits provided by the credit card network for your Account; 

(6)  all disclosures and materials provided to you before or when you opened your Account; 

(7)  any other documents and disclosures relating to your Account, including those provided online; and 

(8)  any future changes we make to any of the above. 

Please read these Account Documents carefully and keep them for future reference. 

New Offers 

In the future, we may provide you with new offers that we think may interest you. The terms of these offers may differ from t he 
standard terms on your Account. This Agreement will still apply. 

Account Information 

We need information about you to manage your Account. This includes, but is not limited to: 

(1)  your legal name; 

(2)  a valid U.S. mailing address and residential address (if different); 

(3)  your date of birth; 

(4)  your Social Security number or other government identification number; 

(5)  your telephone number(s); and 

(6)  your employment and income information. 

You must tell us when this information changes. We may ask you for additional documents and to verify any changes to information 
you have provided us. 

We may restrict or close your Account if we cannot verify your information, or if you do not provide it as requested. 

Credit Limits 

We will inform you of your credit limit from time to time. We may give you different credit limits for the different portions of your 
Account. For example, you may have one credit limit for Purchases and a different one for Cash Advances. You are responsible for 
keeping track of your balances and your available credit for each transaction type (e.g., Purchases, Cash Advances, etc.). You must 
keep your Account balance below each applicable credit limit. We may honor transactions above your credit limits, but if we do, these 
transactions will not increase your credit limit. You are responsible for paying for any transaction you make above your credit limits. 
We may increase, decrease, restrict, or cancel your credit limit for any and all transaction types at any time, without notice. This will 
not affect your obligation to pay us. Your available credit may not be restored for up to ten (10) business days after we receive your 
payment. 

Using Your Account 

(1)  We may decline to authorize a transaction for any reason. This may occur even if the transaction would not cause you to go over 
your credit limit or your Account is not in default. 

(2)  We will bill each transaction to the applicable transaction type of your Account. We will apply it against your available credit for 
that transaction type category. 

(3)  You must not use, or try to use, the Card for any illegal activity. You are responsible for any charges if you do. 

(4)  We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. 

(5)  You may use the Card for Cash Advances and to make Purchases only for personal, family or household purposes from any person 
or establishment accepting the Card.  

Rewards 

Your Account may provide you with the opportunity to earn rewards. If it does, we will separately provide you with information and 
terms about the rewards. For questions regarding rewards, please contact the Bilt Loyalty Program at rewards@bilt.com. 

Cash Advances 

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You may obtain Cash Advances as permitted for your Account. You may not use  Cash Advances to pay any amount you owe us or 
Servicer.  

Using a PIN 

We may give you a personal identification number (“PIN”). For security reasons, you may have to provide the PIN before you are able 
to use your Card. Keep your PIN secure. Do not write it down, give it to anyone, or keep it with your Card. If you lose your Card or 
believe the confidentiality of your PIN has been compromised for any reason, you must contact  us immediately at the number 
provided on the back of your Card. 

No Authorized Users 

We will not issue an additional Card to allow any other person to access the Account. You understand that only you are permitted to 
use the Card or Account. If, however, any  person you authorize initiates a transaction using the Card or Account or if such person 
incurs a Fee in connection with the Card or Account, you are responsible and liable for the transaction and any Fees or Interest Charges 
incurred. If you permit another person to have access to the Card or Account, this will be treated as if you authorized such use and 
you will be liable for all transactions and Fees incurred by those persons. You are wholly responsible for the use of each Card according 
to the terms and conditions of this Agreement.  

Your Promise to Pay 

By using your Card or your Account, you promise to pay us for all transactions made on your Account, as well as any fees, interest 
charges or other charges or Fees. If this is a joint account, each of you, together and individually, are responsible for all amounts owed, 
even if only one of you uses the Account.  

Statements 

You agree to be a paperless Cardholder and accept all statements, including Statements, and communications electronically. We will 
send you an electronic Statement at the end of each Billing Cycle, unless not required by law or the law prohibits us from doing so. 
Unless you make other arrangements with us, your Statement will be delivered to you electronically, as further described in the Evolve 
Bank & Trust Electronic Communication Consent. We will not send you Statement if: (1) we deem your Account uncollectable; (2) 
delinquency collection proceeds have been instituted; or (3) for any other reason permitted by applicable law. You may request a 
paper copy of your Statement for a $10 fee by calling the number on the back of your Card. The fee will be assessed for each requested 
paper copy of your Statement. Bank will mail any requested paper Statement to you by regular mail to your address as it appears in 
our records. 

Disputed Transactions 

You must inspect each Statement you receive and must immediately contact us about any errors or questions you have, as described 
in the “Billing Rights Summary” on your Statement and in this Agreement. If you do not notify us of an error, we will assume that all 
information on the Statement is correct. If we credit your Account for all or part of a disputed transaction, you give us all of your rights 
against others regarding that transaction, and will also: (1) give us any information about the disputed transaction, if we ask; (2) not 
pursue  any  claim  or  reimbursement  of  the  transaction  amount  from  the  merchant  or  any  other  person;  and  (3)  help  us  get 
reimbursement from others. 

Security and Lost or Stolen Card 

You must take reasonable steps to prevent the unauthorized use of your Card and/or Account. For security reasons, you must, upon 
receipt of the Card, comply with any card activation procedures as may be prescribed by the Bank. You must notify us immediately and 
assist us in our investigation if your Card is lost or stolen or you believe someone is using your Account or Card without your permission. 
You  will  not  be  responsible  for  transactions  on  your  Account  that  we  find  are  unauthorized.  If  we  reimburse  you  for  unauthorized 
transactions, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents 
in a form that we request. You should contact us by calling us at 844-389-5900, Monday through Friday 7 AM to 8 PM EST.  

Interest Charges and Fees 

We impose Interest Charges and Fees on your account. Interest Charges are imposed using the average daily balance method, as disclosed 
on your Statement and this Agreement. We will not charge you interest on any new transactions posted to a Purchase transaction of your 
Account if you paid the total balance across your Account in full by the due date on your Statement each month. We will generally treat 
Fees as Purchase transactions unless otherwise specified below. Fees apply to your Account only if your Truth-in-Lending Disclosures 
provide for them.  

We may increase your Interest Charges and Fees as described in the Amendments to Your Agreement section.  

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Annual Fee 

Your Card has no annual Fee.  

Late Payment Fee 

We may charge you this Fee if we do not receive your payment as instructed on your Statement by the payment due date. This Fee 
will not exceed the amount permitted by law.  

Returned Payment Fee 

We may charge you this Fee each time your financial institution for any reason rejects a payment you make to us.  

Stop Payment Fee 

We may charge you this Fee each time you ask us to stop payment or renew a stop payment order. The fee will be disclosed to you at 
the time you submit or renew a stop payment order.  

Cash Advance Fee 

We may charge you this Fee each time you take out a Cash Advance.  

Transactions Made in Foreign Currencies 

If you make a transaction in a foreign currency, the credit card network provider will convert it into a U.S. dollar amount. The credit 
card network provider will use its own currency conversion procedures. The conversion rate in effect on the processing date may 
differ from the rate in effect on the transaction date that appears on your Statement. We do not adjust the currency exchange rate. 
We charge a currency conversion Fee as set forth in the Rate and Fee Table.  

Minimum Payment 

You must pay us at least the minimum payment amount by the payment due date shown on your Statement. Your Statement will tell 
you: (1) the minimum payment due; (2) your new balance; (3) the payment due date; and (4) an explanation of when the payment 
must reach us for us to consider it received as of that date. Returns and other credits to your Account will reduce your Account balance, 
but they will not change your minimum payment amount. 

In addition to the minimum payment, you may pay all or part of the total balance on your Account. But, you must still pay at least the 
minimum payment amount each month, even if you paid more than the minimum payment due on the previous Statement. We will 
continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a 
minimum payment that is due. If your Account is 90 days past due, is part of a bankruptcy proceeding or is otherwise charged off, the 
total balance is immediately due and payable. 

Making Payments 

Your payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. We do not accept cash payments 
through the  mail.  You  may not  make payments  with  funds from your  Account or any  other credit  account  with us or any other 
company  in  the  Bank  organization.  You  must  send  mailed  payments  to  us  as  instructed  on  your  Statement,  unless  we  tell  you 
otherwise. If you mail payment to an address other than the payment address shown on your Statement, there may be a delay in 
crediting the payment to your Account. We can accept late payments, partial payments or payments marked “payment in full,” or 
any other restrictive endorsement, without losing any of our rights under this Agreement. We may refuse to accept payments made 
to your Account by someone else on your behalf. If we do accept it, you will be responsible for the payment and any cost if a financial 
institution rejects it.  

Services are available that allow you to make faster or recurring payments, such as ACH, online or by telephone. We will describe the 
terms for using these services and any applicable Fee before you use them. You do not have to use these other payment services. We 
are not responsible if your financial institution rejects a payment made using our payment services. 

Payment Processing 

We may accept and process payments without losing any of our rights. We may delay the availability of credit until we confirm  
that your payment has cleared. This may happen even if we credit your payment to your Account. We may resubmit and coll ect 
returned payments electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed 
payments, and handle similar issues. 

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When you send us an Item as payment, you authorize us to make a one-time electronic fund transfer from your deposit account. 
You also authorize us to process the payment as an Item. We may withdraw the funds from your deposit account as early as the 
same day we receive your payment. You will not receive your Item back from your bank. We will provide additional information 
about this process on your Statement. 

We  may  use  the  information  from  an  item  to  create  an  electronic  image.  We  may  collect  and  return  the  image  electronically.  This 
electronic image may also be converted to a substitute check and may be processed in the same way we would process an Item. We will 
not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. 

How We Apply Your Payments 

A different APR may apply to your Account depending on the transaction type. For example, Purchases may have a lower APR than Cash 
Advances. If your Account has balances with different APRs, here is how we apply payments in a Billing Cycle: 

(1)  We generally apply credits and payments up to your minimum payment first to the balance with the lowest APR, and then to 
balances with higher APRs. 

(2)  We apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances 
with lower APRs. 

Credit Balances 

We may reject and return any payment that creates or adds to a credit balance on your Account. Any credit balance we allow will not 
be made available until we confirm that your payment has cleared. We may without notice restrict the availability of any credit balance 
in our sole and absolute discretion.  We may reduce the amount  of any credit balance by any new charges. You may write to the 
address provided on your Statement or call the number on the back of your Card to request a refund of any available credit balance. 

Account Default 

You will be in default if: 

(1)  you do not make any payment when it is due; 

(2)  any payment you make is rejected, not paid or cannot be processed; 

(3)  you exceed a credit limit; 

(4)  you file or become the subject of a bankruptcy or insolvency proceeding; 

(5)  you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity; 

(6)  we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us; 

(7)  you do not comply with any term of this Agreement or any other agreement with us; or 

(8)  you permanently reside outside the United States. 

If you are in default, we may take certain actions with respect to your Account. For example, depending on the default, we may take the 
following actions, without notifying you, unless the law says that we must give you notice: 

(1)  charge you Fees, or change the APRs and Fees on your Account; 

(2)  close or suspend your Account; 

(3)  lower your credit limit(s); 

(4)  demand that you immediately pay the total balance owing on your Account; 

(5)  continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or 

(6)  file a lawsuit against you or pursue another action that is not prohibited by law. If we file a lawsuit, you agree to pay our court costs, 
expenses and attorney fees, unless the law does not allow us to collect these amounts. 

Communications 

Unless we tell you otherwise, you can notify us at P.O. Box 9226, Old Bethpage, NY 11804-9226, or call the Servicer at 844-389-5900. 
When writing, please include your name, address, home telephone number and Account number.  

To the extent permitted by applicable law, you authorize us and our affiliates, agents, and contractors, and anyone to whom we may 
sell your Account, to contact you to service your Account or for collection purposes. You agree that these contacts are not unsolicited 
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for purposes of state or federal law. You further agree that the Bank, its affiliates, agents, and contractors and anyone to whom it may 
sell your Account may: (1) contact you in any way, including mail, email, calls, and texts, including a mobile, wireless, or similar device, 
even if you are charged by your provided, and using automated telephone equipment or prerecorded messages; (2) contact you at 
any number that you have given us or any number have for you in our records, including your cellular or other wireless device, even 
if  that  number  is  a  wireless,  cellular,  or  mobile  number,  is  converted  to  a  mobile/wireless  number,  or  connects  to  any  type  of 
mobile/wireless device, and even if such telephone number is currently listed on a Do Not Call Registry; and (3) contact you  at any 
email address you provide to us or any other person or company that provides any services in connection with this Agreement. You 
authorize us to monitor and/or record your calls with us. You agree to notify us within five (5) business days after changing your email 
address, mailing address, or phone number. 

Credit Reports 

We or our Servicer may obtain and use credit, income and other information about you from credit bureaus and others as the law allows. 
We may reevaluate your financial condition and investigate any information you provided on your Account application at any time. In the 
course of doing so, we may obtain a current credit report and ask you for additional information about your financial condition. You give 
us permission to obtain any information about you that we believe would be beneficial to facilitate our determination of your eligibility for 
the Account and the Card, including credit reports form consumer reporting agencies.  

We may report information about your Account to credit bureaus and others. Late payments, missed payments, or other defaults on 
your Account may be reflected in your credit report. Information we provide may appear on your and the Authorized Users’ credit 
reports. If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer 
reporting  agency,  notify  us  in  writing  at  P.O.  Box  9226,  Old  Bethpage,  NY  11804-9226.  When  you  write,  tell  us  the  specific 
information that you believe is incorrect and why you believe it is incorrect.   

Amendments to Your Agreement 

At any time, we may add, delete or change any term of this Agreement, unless the law prohibits us from doing so. We will give you 
notice of any changes as required by law. We may notify you of changes on your Statement or in a separate notice. Our notice  will 
tell you when and how the changes will take effect.  

Your variable APRs (if applicable) can go up or down as the index for the rate goes up or down. If we increase your APRs for any other 
reason, or if we change your Fees or other terms of your Account, we will notify you as required by law. 

The Law That Applies to Your Agreement 

This Agreement is entered into between you and us in the State of Tennessee, and your Account and this Agreement, and any claim, 
dispute or controversy arising from or relating to your Account or this Agreement, whether based in contract, tort, fraud or otherwise 
and regardless of the place where you live, is governed by, and construed in accordance with, the laws of the State of  Tennessee, 
without regard to Tennessee’s conflict of laws principles, and applicable federal laws and regulations. The legality, enforceability and 
interpretation of this Agreement  and the amounts contracted for under this Agreement also are governed by  Tennessee law and 
applicable provisions of federal law, and all amounts granted under this Agreement are extended from the State of Tennessee. 

Servicer 

The Servicer services parts of your Card and Account, including, but not limited to, Account and/or Card management through Servicer’s 
website  or  mobile  application  and  customer  service relating  to any  rewards  offered  in  connection  with your  Card or  Account.  In  this 
capacity,  Servicer  may  act  on  our  behalf,  perform  our  obligations  or  enforce  our  rights  under  this  Agreement.  You  understand  and 
acknowledge  that  we  may  share  with  Servicer  any  information  you  provide  to  us  in  connection  with  your  Account  or  Card  or  any 
information we collect in connection with your Account or Card in order for Servicer to provide you with products and/or services in 
connection with your Account and/or Card.  

Waiver 

We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future. 
For example, we may accept late payments or payments that are marked “payment in full” or with other restrictive endorsements 
without losing any of our rights under this Agreement. We may waive our right without notifying you. For example, we may waive 
your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. 

Assignment 

This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell, assign or transfer your 
Account or this Agreement to someone else without our written permission. We may sell, assign or transfer your Account and this 
Agreement without your permission and without prior notice to you.  Any assignee or assignees of your Account and this Agreement 
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will take our place under this Agreement. We may also sell, assign or transfer all or part of any amounts owed by you under your 
Account without your permission and without prior notice to you.  You must pay our assignees and if we transfer your Account and 
this Agreement, you must perform all of your obligations to them and not us. If you pay us after we notify you that we have transferred 
your Account, this Agreement or any amounts owed by you under your Account, we can return the payment to you, forward the 
payment to the assignee, or handle it in another way that is reasonable.  

Disclaimer of Liability 

We are not responsible if anyone refuses to accept or honor your Card or Account, even if you have sufficient available credit. Except 
as required by applicable law, we will not be responsible for any claim or defense you may have against any third-party that arises out 
of or in connection with any transaction with your Card or Account or any services or goods or other property purchased or leased 
using your Card or Account. We are not responsible for any losses you incur if we do not authorize a transaction. 

Termination 

Subject to applicable law, we may terminate this Agreement or revoke your right to use your Account or Card, along with your  right 
to make future transactions, at any time and for any reason without notice to you. You may contact us using the number on the back 
of your Card to close your Account. If we close or suspend your Account for any reason, you must stop using your Card. You must also 
cancel all billing arrangements set up on the Account. If we close or permanently suspend your Account, you must return or destroy 
all Cards. You must still pay us all amounts you owe on the Account. You must also return the Card to us or destroy it if we ask you to. 

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Arbitration 

This Section sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of litigated in 
court upon the election of either party. 

(1)  Definitions: As used in this Arbitration Section, the term “Claim” means any claim, dispute or controversy between you and Bank, 
Servicer  or  any  of  their  agents  or  retailers,  arising  from  or  relating  to  the  Card  or  this  Agreement  as  well  as  any  related  or  prior 
agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or 
scope of this Arbitration Section or the Agreement. “Claim” includes claims of every kind and nature, including but not limited to initial 
claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional  torts, 
statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced 
and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card 
or  Account;  (ii)  advertisements,  promotions  or  oral  or  written  statements  related  to  the  Card  or  Account  or  goods  or  services 
purchased with the Cards;  (iii) the benefits and services related to the  Card or Account; and (iv) your enrollment  for any Card or 
Account. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small 
claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals from that court 
shall be pursued only in arbitration. As used in this Arbitration Section, the terms “we” and “us” shall for all purposes mean the Bank 
and  Servicer,  and  their  respective  affiliates,  licensees,  predecessors,  successors,  and  assigns,  and  all  of  their  respective  agents, 
employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service 
or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide 
services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as 
a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration 
Section, the terms “you” or “your” shall mean all persons or entities that have access to or use a Card or Account, including but not 
limited to all persons or entities contractually obligated under any of the Agreements. 

(2)  Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by 
arbitration pursuant to this Arbitration Section and the code of procedures of the national arbitration organization to which the Claim 
is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services (“JAMS”) 
or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. For a copy of the procedures, to 
file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los 
Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org. 

(3)  Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL 
HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT 
AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE 
RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM 
SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET 
FORTH BELOW. THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF 
YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. 

(4)  Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual 
basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought 
in a  purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated. The 
arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards 
is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated 
in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. 

(5)  Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of 
your  residence.  At  your  written  request,  we  will  consider  in  good  faith  making  a  temporary  advance  of  all  or  part  of  the  filing 
administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration 
(or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative 
and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing 
fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state 
or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that 
extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. 

(6)  Arbitration Procedures: This Arbitration Section is made pursuant to a transaction involving interstate commerce,  and shall be 
governed by the Federal Arbitration Act, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, 
except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is inconsistent with the applicable Code. 
The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor 

10 

 
claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis 
for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure 
or  rules  of  evidence.  The  arbitrator  shall  take  reasonable  steps  to  preserve  the  privacy  of  individuals,  and  of  business  matters. 
Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be 
final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator 
panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the 
appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the 
arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form 
of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration 
organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one 
hundred twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall 
be final and binding. 

(7)  Survival: This Arbitration Section shall survive termination of your Card or Account as well as voluntary payment of the debt in full 
by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this  Arbitration 
Section is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not 
invalidate the remaining portions of this Arbitration Section, the Agreement or any prior agreement you may have had with us, each 
of which shall be enforceable regardless of such invalidity. 

Your Billing Rights – Keep 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:  

P.O. Box 9226 
Old Bethpage, NY 11804-9226 

You may also contact us at 844-389-5900, Monday through Friday 9 AM to 5 PM (EST). In your letter, give us the following information: 
(1)  account  Information:  your  name  and  Account  number;  (2)  dollar  amount:  the  dollar  amount  of  the  suspected  error;  and  (3) 
description of the problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 
mistake. You must contact us within 60 days after the error appeared on your statement, and at least three (3) business days before 
an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You may notify us of any potential errors in writing or by calling us. You may still be required to pay the amount(s) in question if the 
Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible 
at 844-389-5900. 

What Will Happen After We Receive Your Letter: When we receive your letter, within 30 days of receiving your letter, we will tell you 
that we received your letter. We will also tell you if we have already corrected the error. While we investigate whether or not there 
has been an error, the following are true: (1) 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. But, if 
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that 
amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, 
you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your credit limit. Within 90 
days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next 
Statement) or the reasons we believe the bill is correct. 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 determine 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 Card Purchase: If you are dissatisfied with the goods or services that you have purchased 
with your 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) you must have used your Card for the 
purchase. Purchases made with Cash Advances from an ATM do not qualify or with a check that accesses your credit card account do 
not qualify; and (2) you must not yet have fully paid for the purchase. 

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If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:   

P.O. Box 9226 
Old Bethpage, NY 11804-9226 

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 us an amount and you do not pay, we may report you as delinquent. 
State Notices 

All  Accounts,  including  California  and  Utah  Residents:  As  required  by  law,  you  are  hereby  notified  that  a  negative  credit  report 
reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.  

Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No 
provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor’s interest unless, prior 
to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of 
the adverse provision. 

New York and Vermont Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the 
Account or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on 
your Account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the 
consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial Services 
to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Services - (800) 
342-3736 or https://www.dfs.ny.gov/. 

New Jersey Residents: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable 
or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey. 

Missouri, Nebraska and Washington Residents: Oral agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower) and 
us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, 
which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.  

Massachusetts Residents: Massachusetts law prohibits discrimination based upon marital status or sexual orientation. 

Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all  credit-worthy 
customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights 
Commission administers compliance with the law. 

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