� 
       D838 / M-123175       Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D865 / M-124203         Platinum Visa
                             24.90% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D864 / M-124202       Platinum Visa
                             20.90% Variable Monthly APR (WSJ Prime + 16.40%) 
                             $45 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D029 / M-123169       Platinum Visa
                             24.90% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D839 / M-123179       Platinum Visa
                             21.15% Variable Monthly APR (WSJ Prime + 16.65%) 
                             $45 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D030 / M-123165       Platinum Visa
                             21.15% Variable Monthly APR (WSJ Prime + 16.65%) 
                             $45 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       �
       D031 / M-123170         Platinum Visa
                             25.24% Variable Monthly APR (WSJ Prime + 20.74%)
                             $0 Annual Fee first year, then $39 annually
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       �
       D009 / M-124204       Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month) 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2018�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2018.03.31
                                     � 
     D015 / M-124209       Platinum Visa
                           21.15% Variable Monthly APR (WSJ Prime + 16.65%) 
                           $45 Annual Fee
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
                                     � 
     D023 / M-123163       Platinum Visa
                           19.15% Variable Monthly APR (WSJ Prime + 14.65%)
                           $39 Annual Fee 
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
                                     � 
     D024 / M-123164       Platinum Visa
                           25.24% Variable Monthly APR (WSJ Prime + 20.74%)
                           $39 Annual Fee
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
                                     � 
     D025 / M-124215       Platinum Visa
                           24.90% Variable Monthly Purchase APR (WSJ Prime + 20.40%)
                           $39 Annual Fee
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
                                     � 
     D033 / M-123172       Platinum Visa
                           25.15% Variable Monthly APR (WSJ Prime + 20.65%) 
                           $75 Annual Fee first year, then $99 annually ($8.25 per month)
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
                                     �
     D851 / M-123176       Platinum Visa
                           25.15% Variable Monthly APR (WSJ Prime + 20.65%) 
                           $75 Annual Fee first year, then $99 annually ($8.25 per month)
                           $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2018�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2018.03.31
                                      � 
      D036 / M-121430         Platinum Visa
                            21.15% Variable Monthly APR (WSJ Prime + 16.65%) 
                            $75 Annual Fee first year, then $99 annually ($8.25 per month) 
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                      � 
      D037 / M-121431         Platinum Visa
                            25.24% Variable Monthly APR (WSJ Prime + 20.74%) 
                            $39 Annual Fee
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                      � 
      D038 / M-121432         Platinum Visa
                            25.24% Variable Monthly APR (WSJ Prime + 20.74%) 
                            $0 Annual Fee 
                            $10.00 or 3% Cash Advance Fee (whichever is greater)
                                      � 
      D039 / M-121433       Platinum Visa
                            17.24% Variable Monthly Purchase APR (WSJ Prime + 12.74%)
                            25.24% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                            $0 Annual Fee
                            $10.00 or 3% Cash Advance Fee (whichever is greater)
                                      � 
      D040 / M-123151       Platinum Visa
                            25.15% Variable Monthly APR (WSJ Prime + 20.65%) 
                            $75 Annual Fee first year, then $99 annually ($8.25 per month)
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
      D050 / M-124216       Platinum Visa� 
                            25.65% Variable Monthly APR (WSJ Prime + 21.15%) 
                            $39 Annual Fee
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2018�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2018.03.31
                                           � 
      D017 / M-124213         Platinum Mastercard
                            25.65% Variable Monthly APR (WSJ Prime + 21.15%) 
                            $39 Annual Fee 
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                           � 
      D018 / M-124212       Platinum Mastercard
                            25.65% Variable Monthly APR (WSJ Prime + 21.15%) 
                            $0 Annual Fee first year, then $39 annually 
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                           � 
      D019 / M-124211       Platinum Mastercard
                            25.65% Variable Monthly APR (WSJ Prime + 21.15%) 
                            $0 Annual Fee  
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                           �
      D020 / M-123174       Platinum Mastercard
                            25.65% Variable Monthly APR (WSJ Prime + 21.15%) 
                            $39 Annual Fee 
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                           �
      D842 / M-123177       Platinum Mastercard
                            21.15% Variable Monthly APR (WSJ Prime + 16.65%) 
                            $60 Annual Fee first year, then $60 annually ($5.00 per month)
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2018�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2018.03.31
     D838            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
      which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
      permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
      If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
      us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone. 
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
      when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
      opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
      $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
      Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee i s refundable as 
      long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
      Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
      for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then t he Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.65%, 
      currently 25.15% (corresponding monthly periodic rate of 2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic 
      rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
      Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
      Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
      the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
      periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
      day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
      gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
      This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
      Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
      paid in full or even if that new balance was zero. 
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
      First year. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
      Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
      like Purchases. 
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account. 
       
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged  to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; ( 7) you are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
      you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
       
      20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
      Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
      is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement. 
       
      24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
      using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
       
      30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
      be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
      internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
      any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
      merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
      NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
      one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00913  D809 / M-123175 
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     D865            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           24.90% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
      its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
       
      IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
      under this Agreement. 
       
      1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
      which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
      permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
      If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
      us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may,  but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
      when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of r eceipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
     opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
     $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
     Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee i s refundable as 
     long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment.  An Annual 
      Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
      for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.40%, 
      currently 24.90% (corresponding monthly periodic rate of 2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
      Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
      Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
      the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
      periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
      day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
      gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
      This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
      Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
      paid in full or even if that new balance was zero. 
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
      First year. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
      Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
      like Purchases. 
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account. 
       
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
      you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement. 
       
      24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
      using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
      occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
      (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
      within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
      26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimon y, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00920  D865 / M-124203 
                                           9 
      Back to Top
     D864            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           20.90% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
                           credit. If established with a $500 credit line, then $455 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $45 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
      its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
       
      IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
      under this Agreement. 
       
      1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
      which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Author ized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 16.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 16.40%, 
      currently 20.90% (corresponding monthly periodic rate of 1.7416%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
      Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
      Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
      paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the 
     date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
                                           4 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
      you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
       
      20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
      Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
      is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
      credit limit increase, contact us at (877) 825-3242. 
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
      for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
      (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
      within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
      26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
      NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
      will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
      merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
      Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
      using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
      including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
      no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
      clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                           6 
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicab le law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00919  D864 / M-124202 
                                           9 
      Back to Top
     D029            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           24.90% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit with be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 20.40%, currently 24.90% (corresponding monthly periodic rate of 
      2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
      was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
      Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement. 
       
      24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
      using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
      occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
                                           5 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
      be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
      will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
      merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
      Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
      using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00906  D029 / M-123169 
                                           9 
      Back to Top
     D839
      Interest Rates and Interest Charges
      ANNUAL PERCENTAGE RATE
                           21.15%
      (APR) for Purchases
      and Cash Advances    This APR will vary with the market based on the Prime Rate.
      Paying Interest      We will begin charging interest on Purchases and Cash Advances on the posting date.
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
      Minimum Interest Charge
                           cycle in which an Interest Charge is due.
      For Credit Card Tips from the
                           To learn more about factors to consider when applying for or using a credit card, visit the website 
      Consumer Financial Protection
                           of the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore.
      Bureau
      Fees
      Set-up and Maintenance Notice: The Annual Membership Fee will be billed to your Account when it is opened and will 
      Fees                 reduce the amount of your initial available credit. If your Account is established with a $300 credit
                           line, your initial available credit will be $255. If established with a $400 credit line, then $355 initial 
                           available credit. If established with a $500 credit line, then $455 initial available credit.
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges.
      � Annual Membership Fee $45
      � Authorized User    $19 annually (if applicable).
        Participation Fee
      Transaction Fees
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year.
      Penalty Fees
      � Late Payment       Up to $35
      � Returned Payment   Up to $35
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
                                           1
                           VISA/MASTERCARD CARDHOLDER AGREEMENT,
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA � or 
     Mastercard � Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to 
      all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its 
      successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows: 
      IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under 
      this Agreement.
      1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which 
      the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by 
      law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. If you do not 
      wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card 
      Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least 
      fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account including 
      all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit established for the 
      Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment information. If you 
      provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the Authorized User�s 
      use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the right to terminate the 
      Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on the 
      credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to 
      consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card 
      lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from your Account via mail or 
      telephone. 
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One 
      Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following 
      actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) 
      terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any other request with 
      respect to your Account, or for restricting or terminating the Account as provided in this section. 
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You 
      agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not 
      obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your Credit Limit 
      at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit over your Credit 
      Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments 
      where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each Purchase and Cash 
      Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit 
      limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount 
      of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card Account. You may not use your 
      Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be used for business purposes. 
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
                                           2
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the remaining 
      portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper statements will not 
      be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or telephone, for which a fee 
      may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank will not be responsible 
      for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
      accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 
      p.m. Pacific Time (�PT�). 
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account 
      as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your 
      outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives for 
      assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition 
      of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next 
      business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied 
      to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 16.65%, currently 
      21.15% (corresponding monthly periodic rate of 1.7625%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 
      2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge 
      if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic 
      Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, 
      and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take 
      the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits 
      and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total 
      by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily 
      balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new 
      balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� 
     section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of 
     the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account. 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following:
      (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) 
      Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy 
                                           3
      requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your 
      Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a replacement card, a
      Replacement Card Fee of up to $25.00 may be charged to your Account. 
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment 
      Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount by the 
      Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign up for 
      such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive 
      billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor special 
     instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned 
     to us by your bank unpaid, we may re-present the returned check electronically. 
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any 
     postdated check for payment to us on the day we receive it. 
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is provided. 
     (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our 
     employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection. 
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification purposes; 
     account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information about special 
     products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing communications 
     to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone number(s) for 
     which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys� fees, incurred 
     as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive 
                                           4
      communications as described in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written 
     notice, you must include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like 
      communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via 
      telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you must send this written notice to: Attention 
      � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: If you do not want 
      to receive communications previously selected as part of your online account, you must update your preferences under the �Email and Text 
     Notifications� section to remove these notifications. We cannot remove these online account notifications for you. 
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit 
      One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not paying your 
      debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) you violate 
      any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your card(s), declare 
      your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to pay any collection 
     costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account 
     is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute 
     between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other 
     Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or involuntary 
     Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, when your 
     Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay this amount; 
     or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may 
     occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your 
     Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs 
     after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not exceed 
     $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the Card and 
     returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may be replaced
     with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All terms and 
     conditions of this Agreement and the application shall apply to any substitute Account. 
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00,
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a credit 
     limit increase, contact us at (877) 825-3242.
                                           5
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for 
      Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints 
      may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such 
      laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
      and our legal rights under this Agreement. 
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control. 
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are eligible. 
     For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn 
     rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a merchant or 
     the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this Program, and 
     Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase using a SIC Code
     that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, including SIC Codes 
     that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in no reward. Purchases 
     from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not 
     limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn 
     rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible
      SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the 
      Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
      TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
      evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed 
      above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law.
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
                                           6
      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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
      In your letter, give us the following information: 
      � 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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
     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.
                                   ARBITRATION AGREEMENT
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT 
     TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. 
     IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES 
     ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE A HEARING 
     AND BE REPRESENTED BY COUNSEL.
     Agreement to Arbitrate:
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are 
     called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
                                           7
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law 
      is applicable), the State law governing the Card Agreement.
      Claims Covered:
      � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, 
       or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, introduced, 
       sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your Account, goods or 
       services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card Agreement (except for 
       this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and 
       us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the 
       law will allow it to be enforced.
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through 
       you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims 
       subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and successors 
       (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, even if we are not 
       properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or respondent in a 
       Claim brought by you against us.
     � Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship.
     � Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are 
       made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as 
       counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders 
       or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other 
       party or parties. 
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but 
       must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney 
       general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we require 
       arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney general 
       action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis.
     Claims Not Covered:
     � Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter remains 
       in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration 
       Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or 
       interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide.
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit 
     One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or 
     (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator 
     or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which you and we agree 
     in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms and instructions for 
     initiating arbitration, by contacting the arbitration administrator as follows: 
     American Arbitration Association (�AAA�) 
     1-800-778-7879
     Web Site: www.adr.org 
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator.
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration 
     is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will prevail. This 
     Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may limit the amount 
                                           8
      of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable statutes of limitations, 
      and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account information and other
      confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You and 
      we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless 
      otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief 
     provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not have the power to award 
     relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in writing but need not 
     provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons 
     for the award.
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you 
     paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first 
     day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance 
     or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to do so, or 
     we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and other expenses, 
     regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should recover any or all 
     expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-house attorneys� costs, 
      that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a party 
      upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the 
      arbitration proceedings unreasonably or vexatiously.
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than 
      individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card 
      Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action be 
      pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the arbitration, 
      Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those persons are 
      applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related transactions); 
      this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration 
      Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the 
      administrator�s rules.
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, 
      or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such 
      Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement 
     at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in 
     connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We will not amend 
     this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice.
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only 
     in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any 
     other dispute or controversy.
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer 
      or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the 
      section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If the section 
      titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without impairing 
      the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding.
      � 2018 Credit One Bank, N.A. All rights reserved.
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks. C50-00917 D839 / M-123179
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      Back to Top
     D030            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $255. If established with a $400 credit line, your initial available credit will be 
                           only about $355. If established with a $500 credit line, your initial available credit will be only about 
                           $455. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Fee          $45 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
      $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL FEE: The Annual Fee for your Account is $45.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
      Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is 
      refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not  made a 
      payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for 
      providing services related to your Account, including but not limited to: the opportunity to use your card with participating  merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
      and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
      Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
      Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
      day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate wi ll be applied to all 
      balances on the Account. The APR for all balances is 4.50% plus 16.65%, currently 21.15% (corresponding monthly periodic rate of 1.7625%). The 
      most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
     charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
     Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed 
     for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. 
     All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous 
     statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 .00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper for m is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
      contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
      purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
      voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
      contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
      for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
      Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
      communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
      and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the  number(s). (c) 
      Communication Revocation: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
      authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
      name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
      telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
      email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
      Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
      previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Cr edit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
      credit limit increase, contact us at (877) 825-3242. 
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
      for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
      be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
      will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
      merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
      Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
      using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
      including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
      clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                           6 
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
      any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
      Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
      time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00907  D030 / M-123165 
                                           9 
      Back to Top
     D031            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.24% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Fee          $0 First year, then $39 billed Annually. 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
      If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
      us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regar ding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: There is no Annual Fee for your Account in Year one (during the first 12 months after account opening). The Annual Fee for your 
     Account beginning in Year two is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your Account is closed by 
     you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable as long as you 
     cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Fee Notice, 
     as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related to your 
     Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of 
      customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional 
      credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
      and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
      Advances may vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
      Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
      day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
      balances on the Account. The APR for all balances is 4.50% plus 20.74%, currently 25.24% (corresponding monthly periodic rate of 2.1033%). The 
      most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
      charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
      Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed 
      for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. 
      All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous 
      statement was paid in full or even if that new balance was zero. 
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
      other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
      Purchases. 
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
      your Account. 
       
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
                                           3 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
      any postdated check for payment to us on the day we receive it. 
       
      16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection.  
       
      18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
      contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
      purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
      voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
      contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
      for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
      Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
      communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
      and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the  number(s). (c) 
      Communication Revocation: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
                                           4 
      authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
      name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
      telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
      email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
      Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
      previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
      terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
      dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
      other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
                                           5 
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
      for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
       
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
      determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
      net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
     and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
     Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
     within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
     billing statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
       
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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. 
                                           6 
      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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
                                           7 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
                                           8 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
      any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
      Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
      time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
      will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
      any other dispute or controversy. 
       
      Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
      between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
      transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
      than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
      the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
      � 2018 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00908  D031 / M-123170 
                                           9 
      Back to Top
     D009            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425.  
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 for the first year. After that, $99 ($8.25 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
      $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
       
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes.  
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement.  
      
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electro nically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�).  
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
      your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
      billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
      or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
      12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
      with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit.  
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
      balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.65%, currently 
     25.15% (corresponding monthly periodic rate of 2.0958%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
      cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
      posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
      your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
      Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
      add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
      balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
      charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
      new balance was zero.  
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater.  
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement.  
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
      other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
      Purchases.  
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account.  
       
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt.  
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically.  
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
       
      16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection.  
       
      18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
      contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
      purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
      voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
      contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
      for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
      Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
      communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
      and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the  number(s). (c) 
      Communication Revocation: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
      authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
      name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
      telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
      email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
      Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
      previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you.  
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Cr edit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account.  
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
      credit limit increase, contact us at (877) 825-3242.  
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
      Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)  
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
      Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
      determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the 
      NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� (as defined below) made with your Account. You will not 
     earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 
     2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your 
     Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The 
     eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
     ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from 
     merchants using select Standard Industrial Classification Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are 
     eligible. For automotive parts and services Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 
     7531, 7534, 7535, 7538, 7542 and 7549 are eligible. Although a merchant or the items that it sells may appear to fit the rewa rd categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
      one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts 
     and services Purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or unauthorized 
      Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already 
     enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
      TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
      will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
      listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
                                           6 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
       
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
      between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
      transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
      impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
       
       
      � 2018 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00933  D009 / M-124204 
                                           9 
      Back to Top
     D015            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
                           credit. If established with a $500 credit line, then $455 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $45 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
      when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes.  
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement.  
       
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      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement e lectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�).  
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.  
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 16.65%, currently 21.15% (corresponding monthly periodic rate of 
      1.7625%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
     was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero.  
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year.  
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement.  
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases.  
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account.  
      
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt.  
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically.  
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection.  
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
      revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
      (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
      requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
      your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you.  
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; ( 7) you are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
      you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
       
      20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
      Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
      is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account.  
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
       
      30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
      and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)  
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You  will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00925  D015 / M-124209 
                                           9 
     D023            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           19.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit with be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee 
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 14.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 14.65%, currently 19.15% (corresponding monthly periodic rate of 
      1.5958%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
      was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to  avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
                                           5 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
      using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of  your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
      In your letter, give us the following information:  
      �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00902  D023 / M-123163 
                                           9 
      Back to Top
     D024            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.24% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit with be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee 
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
     Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
     to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
     for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 20.74%, currently 25.24% (corresponding monthly periodic rate of 
     2.1033%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
     was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement. 
       
      24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
      using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
      occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
      terms and conditions of this Agreement and the application shall apply to any substitute Account. 
       
      25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
      time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
                                           5 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
      be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
      will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
      merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
      Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
      using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
      clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required  to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
       
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00903  D024 / M-123164 
                                           9 
      Back to Top
     D025            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           24.90% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
     Fees                  receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
      $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
      Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
      Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes.  
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement.  
       
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      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�).  
       
      8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
      Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Th e Annual Fee is 
      refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a 
      payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual F ee is imposed for 
      providing services related to your Account, including but not limited to: the opportunity to use your card with participating  merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit.  
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
      and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
      Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
      Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
      day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
      balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.40%, currently 
      24.90% (corresponding monthly periodic rate of 2.0750%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
      cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
      your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
      Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
      add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
      balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
      charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
      new balance was zero.  
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater.  
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement.  
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
      other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
      Purchases.  
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account.  
       
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
                                           3 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt.  
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically.  
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
       
      16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
      contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
      purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
      voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
      contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
      for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
      Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
      communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
      and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the  number(s). (c) 
      Communication Revocation: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
                                           4 
      authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
      name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
      telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
      email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
      Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
      previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you.  
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Cr edit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account.  
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
      occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
      terms and conditions of this Agreement and the application shall apply to any substitute Account.  
       
      25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
      time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
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      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
      Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
       
      30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
      will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
      merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
      clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target).  
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                            
                                            
                                           6 
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
      between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
      transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
      impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
       
       
       
       
       
      � 2018 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00932  D025 / M-124215 
                                           9 
      Back to Top
     
     
     
     
     D033  
     
     Interest Rates and Interest Charges 
                           
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           
     Paying Interest       You will be charged interest on Purchases and Cash Advances on the posting date. 
                           
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      
                           
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                           
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
      
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
      
                           only about $325. If established with a $500 credit line, your initial available credit will be only about   
                           $425. 
                           
      
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
      
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
      
                           charges. 
                           
     � Annual Fee          $75 First year, then $99 Annually (billed $8.25 per month). 
                           
     Transaction Fees      
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                           
     Penalty Fees          
     � Late Payment        Up to $35 
                           
     � Returned Payment    Up to $35 
     
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
     
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �   or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s) � refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows: 
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law . As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorize d User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone. 
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will n otify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will se rve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payment s by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Accoun t, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee fo r 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opport unity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.65%, currently 
     25.15% (corresponding monthly periodic rate of 2.0958%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance 
     Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will 
     be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the 
     beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and 
     unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by 
     the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily 
     balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new 
     balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be  treated like  Purchase transactions, posted  as  principal, and  accrue Finance Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose ot her than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the addr ess shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the paymen t to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one - 
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or ot her payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, with out reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any c osts 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us  contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If  you  do  not  want  to  receive  communications as  described in  the  previous paragraph, you may  revoke  that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account,  you must  update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any repre sentation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreemen t, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the ev ent of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure pa yment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any ot her party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate M astercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to you r Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be impos ed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authori ty by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedu re for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbi tration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refe r to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder A greement and this 
     Program with respect to matters relating to the Program, this Program shall control. 
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different locatio n may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be requi red to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal t ransactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will   take  effect  immediately.  The  current  version  of  this   Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the oth er Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expens e or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respe ct to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                           6 
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     In your letter, give us the following information: 
     �  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 at 877-825-3242, 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 an yone 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 m ust 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                    ARBITRATION AGREEMENT  
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
                                           7 
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, oper ation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpr etation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort ( including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claim s subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s ) advanced in the 
       lawsuit by any other party or parties. 
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court , so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or  any part thereof are not subject to arbitration and are for a court to  decide. But disputes about th e  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related m aterials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows: 
      
     American Arbitration Association (�AAA�) 
     1-800-778-7879 
     Web Site: www.adr.org 
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with ju risdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effe ct on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arb itration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in- 
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration , nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however , that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration m ust be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other perso n, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.               C50-00910                   D033 / M-123172 
                                           9 
      Back to Top
     D851            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Author ized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
      opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
      $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
      Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee i s refundable as 
      long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
      Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
      for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 20.65%, 
      currently 25.15% (corresponding monthly periodic rate of 2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
      Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
      Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
      the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
      periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
      day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
      gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
      This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
      Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
      paid in full or even if that new balance was zero. 
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
      First year. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
      Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
      like Purchases. 
      (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
      under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
      Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
       
      10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
      Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
      your Account. 
       
                                           3 
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
       
      20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
      Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
      is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00914  D851 / M-123176 
                                           9 
      Back to Top
    D036
     Interest Rates and Interest Charges
     ANNUAL PERCENTAGE RATE 
                         21.15%
     (APR) for Purchases
         
                         This APR will vary with the market based on the Prime Rate.
     and Cash Advances
     Paying Interest     You will be charged interest on Purchases and Cash Advances from the posting date.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
     For Credit Card Tips from the 
                         To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                         the Consumer Financial Protection Bureau at http://www.consumer?nance.gov/learnmore.
     Bureau
     Fees
     Fees                Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                         your initial available credit. If your Account is established with a $300 credit line, your initial available 
                         credit will be only about $225. If established with a $400 credit line, your initial available credit will 
                         be only about $325. If established with a $500 credit line, your initial available credit will be only 
                         about $425.
                         You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                         receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.
     � Annual Fee        $75 for the ?rst year. After that, $99 ($8.25 per month). 
     Transaction Fees
      
     � Cash Advance      Either $5 or 8% of the amount of each Cash Advance, whichever is greater.
     � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
     Penalty Fees
                          
     � Late Payment      Up to $37
     � Returned Payment  Up to $35
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).�
          See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
          your account agreement.
          Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User
          Participation Card Fee of $19 annually. This fee will reduce the amount of your available credit.
                                           1
                             VISA/MASTERCARD CARDHOLDER AGREEMENT,
                           DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
    This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA� or Mastercard� Account issued 
    by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to all persons, jointly and severally, authorized to use 
    the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
    Card, you agree as follows: 
    IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.
    1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the ?nance charge or the manner in which the ?nance charges are 
    calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
    and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
    by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
    change, and close your Account.
    2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
    allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least ?fteen years of age, you understand that: (1) 
    you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
    any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
    including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
    you agree to be liable for the Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve 
    the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
    the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
    agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
    from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
    Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User�s name. This 
    Fee will be assessed annually in the month the Authorized User was added to the Account.
    3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives con?icting instructions from one or more of you, or if Credit One Bank has reason to 
    believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any con?icting 
    instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
    liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
    in this section.
    4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
    billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
    would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
    up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance 
    exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
    under this paragraph.
    5. USING YOUR CARD:  You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments where the Card is 
    accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating ?nancial institutions. Each Purchase and Cash Advance obtained will reduce the available 
    credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit limit. Cash Advances cannot exceed two transactions or more 
    than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all Purchases and Cash Advances, as well as all ?nance charges, and other 
    fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use 
    and may not be used for business purposes.
    6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree that we shall have 
    no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational dif?culties prevent authorization of a transaction, (c) 
    authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.
    7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
    on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, ?nance charges, other charges, and payments and credits posted 
    during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
    order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
    your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
    Bank�s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
    will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
    accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Paci?c Time (�PT�).
    8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for your Account beginning 
    in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be billed to your Account as long as it remains 
    open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable as 
    long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Fee Notice, as required 
    by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: 
    the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing 
    credit information to credit reporting agencies, and providing the opportunity for additional credit.
    9. FINANCE CHARGES: Your Card Account is subject to ?nance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
    Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
    (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees and charges to your Account, 
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    the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may vary and will be determined by adding 
    16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is 
    not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the ?rst day of the following 
    month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 
    16.65%, currently 21.15% (corresponding monthly periodic rate of 1.7625%). The most recent Annual Percentage Rate was disclosed to you when you received your credit 
    card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest 
    Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in 
    full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning 
    balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
    This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
    �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue 
    ?nance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
    (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
    amount advanced, whichever is greater.
    (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� section of this 
    Agreement.
    (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
    $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.
    (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and other charges, except Cash 
    Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.
    (f) Periodic Statement Annual Percentage Rate: If a ?nance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
    Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
    billing period in which such ?nance charge is posted to your Account.
    10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
    5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.
    11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
    Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
    a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
    of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
    and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.
    12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
    Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
    cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
    Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
    to your minimum payment amount. When you sign up for such services, you will be noti?ed if a fee for the service will be imposed and if it is required to be added to your 
    minimum payment.
    13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
    In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
    receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
    you will not receive a refund of this amount.
    14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
    transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
    for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
    your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
    sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
    the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
    special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
    payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
    up to ?ve business days of receipt.
    Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
    transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
    re-present the returned check electronically.
    15. POSTDATED CHECKS: You agree that we need not examine any payment check to con?rm that it is not postdated, and that we may deposit any postdated check for 
    payment to us on the day we receive it.
    16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as �paid in full,� must be 
    sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked �paid in full� to the 
    above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
    Agreement, including our right to seek payment of the full balance of your Account.
    17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
    to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
    (4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
    and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep con?dential information under Section 1808.21 of the California 
    Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit ?le to consumer reporting agencies and others who may 
    properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
    is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
                                           3
    and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.
    18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone 
    number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
    include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and arti?cial voice message, text/SMS message or email. Phone numbers and email 
    addresses you provide include those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not 
    limited to: obtaining information; activation of the card for veri?cation and identi?cation purposes; account transactions or servicing related matters; suspected fraud or 
    identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for 
    incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemni?cation: If 
    you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys� 
    fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not want to receive communications 
    as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, 
    (ii) in that written notice, include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease 
    via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please 
    provide the speci?c phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, 
    NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
    your preferences under the �Settings� section to remove these noti?cations. We cannot remove these online account noti?cations for you.
    19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
    payment when due; (3) you die, become insolvent, ?le a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
    ?nancial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
    receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
    material adverse change in your ?nancial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
    Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
    You promise to pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.
    20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or 
    us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in full if 
    you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, or 
    if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its 
    best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
    immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
    pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
    after your closing statement cycles, and you may not receive a statement re?ecting the rounding.
    21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.
    22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
    to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
    expiration date. We have the right not to renew your Card for any reason.
    23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or Visa Inc. will convert that 
    charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for 
    the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable 
    central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
    the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
    may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.
    24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
    your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
    P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
    unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
    terminate this user�s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
    this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
    All terms and conditions of this Agreement and the application shall apply to any substitute Account.
    25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
    A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
    established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
    limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be noti?ed by mail if your 
    request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s 
    procedure for applying for a credit limit increase, contact us at (877) 825-3242.
    26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for Online Account Access at: 
    www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
    can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
    This service is subject to change or cancellation without notice.
    27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.
    28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.
    29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
                                           4
    of the State of Nevada, excluding the con?icts of law provisions thereof, regardless of your state of residence.
    30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
    this Agreement. 
                           CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)
    This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration Agreement (collectively, the 
    �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In this Program, the words �we,� �us,� �our� and �Credit 
    One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly and severally, authorized to use the Account and thereby participate in the 
    Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the event of any con?ict 
    between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
    EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
    types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
    �eligible net Purchases� (as de?ned below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
    within seven days of the end of the month equal to 1% or 2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to 
    the 26th of the current month. If your Account is in default, as de?ned within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the 
    credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�
    ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from merchants using select 
    Standard Industrial Classi?cation Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For automotive parts and services 
    Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549 are eligible. 
    Although a merchant or the items that it sells may appear to ?t the reward categories, the merchant may not have or use a SIC Code that is included in this Program, 
    and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been 
    designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this 
    Program. This means that Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not 
    eligible for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount supercenters 
    (including but not limited to Wal-Mart and Target).
    PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic statement credits for 
    rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
    statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services Purchases made while your Account is in default as de?ned 
    within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise speci?ed. 
    This Program excludes Accounts already enrolled in a different Credit One rewards program.
    AMENDMENTS: The Program may be amended (added to, modi?ed or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
    prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section. Any 
    revisions may affect your ability to earn rewards.
    TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
    for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
    distribution of the rewards earned during the current billing period in the form of a statement credit.
    LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
    behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
    (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
    direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
    shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
    federal, state or local law.
                          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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
    In your letter, give us the following information:
     �  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 at 877-825-3242, 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 ?nish 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.
                                           5
     �  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 ?rst $50 of the amount you 
    question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    If you are dissatis?ed 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 dissatis?ed with the Purchase, contact us in writing at: Bank
      Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
    While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 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.
                                    ARBITRATION AGREEMENT
    PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY 
    CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
    JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
    A HEARING AND BE REPRESENTED BY COUNSEL.
    Agreement to Arbitrate:
    You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are called �Claims�), be 
    submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
    enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.
    Claims Covered:
     � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
      your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
      authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or bene?ts 
      programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
      preceding the opening of) your Account, goods or services ?nanced under your Account, or the terms of ?nancing; the application, enforceability or interpretation of the Card 
      Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
      Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
     � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
      applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
      that relate directly to us, a parent company, af?liated company, and any predecessors and successors (and the employees, of?cers and directors of all of these entities), 
      but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
      person or entity named as a defendant or respondent in a Claim brought by you against us.
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
      law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
      equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
      alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
      or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
      to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 
      court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
      on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
      action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
      the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 
      must proceed on an individual basis.
    Claims Not Covered:
     � Claims are not subject to arbitration if they are ?led by you or us in a small claims court or your state�s equivalent court, so long as the matter remains in such court 
      and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
      not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 
      to arbitration and are for the arbitrator to decide.
    Initiation of Arbitration: The party ?ling arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
    rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
    NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on ?le 
    for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
    to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
    related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:
         
                                           6
    American Arbitration Association (�AAA�)
    1-800-778-7879
    Web Site:  www.adr.org
    If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.
    Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years� experience or a retired 
    or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
    applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is ?led unless this Arbitration Agreement is inconsistent with 
    those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
    Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
    the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
    information and other con?dential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
    and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, con?dential unless otherwise required 
    by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
    applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the bene?t of, any person who is not 
    a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
    us, the arbitrator will provide a brief statement of the reasons for the award.
    Costs: If we ?le the arbitration, we will pay the initial ?ling fee. If you ?le the arbitration, you will pay your share of the initial ?ling fee, unless you seek and qualify for a 
    fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial ?ling fee if you paid it and you prevail. Except as 
    set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the ?rst day of that hearing. All other fees will be allocated in 
    keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse ?ling fees and other fees if the arbitration administrator 
    or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
    party�s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
    whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
    house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a 
    party upon a showing by the other party that the ?rst party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
    proceedings unreasonably or vexatiously.
    No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
    parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
    general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
    shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
    individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
    arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
    transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
    regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the administrator�s rules.
    Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
    litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
    trial has begun or a ?nal judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
    Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
    you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
    notice.
    An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
    provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
    shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.
    Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
    concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
    amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled �No Class Arbitration or Consolidation or Joinder 
    of Parties� is declared unenforceable, the remainder shall be enforceable. If the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared 
    unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
    be null and void in such proceeding.
    � 2018 Credit One Bank, N.A. All rights reserved.
        Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks. C50-00841 D036 / M-121430
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    D037
     Interest Rates and Interest Charges
     ANNUAL PERCENTAGE RATE 
                         25.24%
     (APR) for Purchases
         
                         This APR will vary with the market based on the Prime Rate.
     and Cash Advances
                         Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest     interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                         begin charging interest on Cash Advances on the posting date.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
     For Credit Card Tips from the 
                         To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                         the Consumer Financial Protection Bureau at http://www.consumer?nance.gov/learnmore.
     Bureau
     Fees
     Fees                Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                         after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                         charges.
     � Annual Fee        $39
     Transaction Fees
      
     � Cash Advance      Either $5 or 8% of the amount of each Cash Advance, whichever is greater.
     � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
     Penalty Fees
                          
     � Late Payment      Up to $37
     � Returned Payment  Up to $35
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).�
          See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
          your account agreement.
          Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed
          for issuing a card in the Authorized User�s name. This Fee will be assessed annually in the month the Authorized User
          was added to the Account.
                                           1
                             VISA/MASTERCARD CARDHOLDER AGREEMENT,
                           DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
    This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA� or Mastercard� Account issued 
    by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to all persons, jointly and severally, authorized to use 
    the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
    Card, you agree as follows: 
    IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.
    1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the ?nance charge or the manner in which the ?nance charges are 
    calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
    and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
    by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
    change, and close your Account.
    2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
    allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least ?fteen years of age, you understand that: (1) 
    you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
    any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
    including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
    you agree to be liable for the Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve 
    the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
    the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
    agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
    from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone.
    Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User�s name. This 
    Fee will be assessed annually in the month the Authorized User was added to the Account.
    3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives con?icting instructions from one or more of you, or if Credit One Bank has reason to 
    believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any con?icting 
    instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
    liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
    in this section.
    4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
    billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
    would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
    up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance 
    exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
    under this paragraph.
    5. USING YOUR CARD:  You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments where the Card is 
    accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating ?nancial institutions. Each Purchase and Cash Advance obtained will reduce the available 
    credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit limit. Cash Advances cannot exceed two transactions or more 
    than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all Purchases and Cash Advances, as well as all ?nance charges, and other 
    fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use 
    and may not be used for business purposes.
    6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree that we shall have 
    no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational dif?culties prevent authorization of a transaction, (c) 
    authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.
    7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
    on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, ?nance charges, other charges, and payments and credits posted 
    during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
    order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
    your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
    Bank�s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
    will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
    accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Paci?c Time (�PT�).
    8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your Account is closed by you 
    or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have 
    not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at 
    least once every 12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
    participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
    agencies, and providing the opportunity for additional credit.
    9. FINANCE CHARGES: Your Card Account is subject to ?nance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
    Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
    (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees and charges to your Account, 
    the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may vary and will be determined by adding 
                                           2
    20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is 
    not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the ?rst day of the following 
    month. The new rate will be applied to all balances on the Account. The APR for all balances is 4.50% plus 20.74%, currently 25.24% (corresponding monthly periodic rate 
    of 2.1033%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged 
    interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each 
    month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and 
    will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of 
    your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us 
    the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
    balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, 
    other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees 
    accrue ?nance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
    (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5 or 8% of the amount 
    advanced, whichever is greater.
    (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� section of this 
    Agreement.
    (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
    $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.
    (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and other charges, except Cash 
    Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.
    (f) Periodic Statement Annual Percentage Rate: If a ?nance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
    Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
    billing period in which such ?nance charge is posted to your Account.
    10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
    5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.
    11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
    Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
    a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
    of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
    and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.
    12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
    Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
    cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
    Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
    to your minimum payment amount. When you sign up for such services, you will be noti?ed if a fee for the service will be imposed and if it is required to be added to your 
    minimum payment.
    13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
    In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
    receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
    you will not receive a refund of this amount.
    14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
    transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
    for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
    your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
    sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
    the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
    special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
    payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
    up to ?ve business days of receipt.
    Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
    transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
    re-present the returned check electronically.
    15. POSTDATED CHECKS: You agree that we need not examine any payment check to con?rm that it is not postdated, and that we may deposit any postdated check for 
    payment to us on the day we receive it.
    16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as �paid in full,� must be 
    sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked �paid in full� to the 
    above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
    Agreement, including our right to seek payment of the full balance of your Account.
    17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
    to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
    (4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
    and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep con?dential information under Section 1808.21 of the California 
    Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit ?le to consumer reporting agencies and others who may 
    properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
    is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
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    and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.
    18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone 
    number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
    include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and arti?cial voice message, text/SMS message or email. Phone numbers and email 
    addresses you provide include those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not 
    limited to: obtaining information; activation of the card for veri?cation and identi?cation purposes; account transactions or servicing related matters; suspected fraud or 
    identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for 
    incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemni?cation: If 
    you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys� 
    fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not want to receive communications 
    as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, 
    (ii) in that written notice, include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease 
    via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please 
    provide the speci?c phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, 
    NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
    your preferences under the �Settings� section to remove these noti?cations. We cannot remove these online account noti?cations for you.
    19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
    payment when due; (3) you die, become insolvent, ?le a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
    ?nancial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
    receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
    material adverse change in your ?nancial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
    Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
    You promise to pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.
    20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or 
    us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in full if 
    you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, or 
    if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its 
    best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
    immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
    pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
    after your closing statement cycles, and you may not receive a statement re?ecting the rounding.
    21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.
    22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
    to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
    expiration date. We have the right not to renew your Card for any reason.
    23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or Visa Inc. will convert that 
    charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for 
    the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable 
    central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
    the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
    may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.
    24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
    your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
    P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
    unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
    terminate this user�s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
    this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
    All terms and conditions of this Agreement and the application shall apply to any substitute Account.
    25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
    A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
    established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
    limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be noti?ed by mail if your 
    request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s 
    procedure for applying for a credit limit increase, contact us at (877) 825-3242.
    26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for Online Account Access at: 
    www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
    can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
    This service is subject to change or cancellation without notice.
    27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.
    28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.
    29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
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    of the State of Nevada, excluding the con?icts of law provisions thereof, regardless of your state of residence.
    30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
    this Agreement. 
                           CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)
    This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration Agreement (collectively, the 
    �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In this Program, the words �we,� �us,� �our� and �Credit 
    One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly and severally, authorized to use the Account and thereby participate in the 
    Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the event of any con?ict 
    between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
    EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
    types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
    �eligible net Purchases� (as de?ned below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
    within seven days of the end of the month equal to 1% or 2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to 
    the 26th of the current month. If your Account is in default, as de?ned within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the 
    credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�
    ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from merchants using select 
    Standard Industrial Classi?cation Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For automotive parts and services 
    Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549 are eligible. 
    Although a merchant or the items that it sells may appear to ?t the reward categories, the merchant may not have or use a SIC Code that is included in this Program, 
    and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been 
    designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this 
    Program. This means that Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not 
    eligible for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount supercenters 
    (including but not limited to Wal-Mart and Target).
    PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic statement credits for 
    rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
    statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services Purchases made while your Account is in default as de?ned 
    within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise speci?ed. 
    This Program excludes Accounts already enrolled in a different Credit One rewards program.
    AMENDMENTS: The Program may be amended (added to, modi?ed or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
    prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section. Any 
    revisions may affect your ability to earn rewards.
    TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
    for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
    distribution of the rewards earned during the current billing period in the form of a statement credit.
    LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
    behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
    (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
    direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
    shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
    federal, state or local law.
                          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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
    In your letter, give us the following information:
     �  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 at 877-825-3242, 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 ?nish 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.
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     �  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 ?rst $50 of the amount you 
    question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    If you are dissatis?ed 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 dissatis?ed with the Purchase, contact us in writing at: Bank
      Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
    While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 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.
                                    ARBITRATION AGREEMENT
    PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY 
    CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
    JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
    A HEARING AND BE REPRESENTED BY COUNSEL.
    Agreement to Arbitrate:
    You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are called �Claims�), be 
    submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
    enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.
    Claims Covered:
     � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
      your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
      authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or bene?ts 
      programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
      preceding the opening of) your Account, goods or services ?nanced under your Account, or the terms of ?nancing; the application, enforceability or interpretation of the Card 
      Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
      Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
     � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
      applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
      that relate directly to us, a parent company, af?liated company, and any predecessors and successors (and the employees, of?cers and directors of all of these entities), 
      but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
      person or entity named as a defendant or respondent in a Claim brought by you against us.
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
      law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
      equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
      alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
      or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
      to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 
      court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
      on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
      action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
      the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 
      must proceed on an individual basis.
    Claims Not Covered:
     � Claims are not subject to arbitration if they are ?led by you or us in a small claims court or your state�s equivalent court, so long as the matter remains in such court 
      and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
      not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 
      to arbitration and are for the arbitrator to decide.
    Initiation of Arbitration: The party ?ling arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
    rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
    NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on ?le 
    for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
    to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
    related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:
         
                                           6
    American Arbitration Association (�AAA�)
    1-800-778-7879
    Web Site:  www.adr.org
    If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.
    Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years� experience or a retired 
    or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
    applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is ?led unless this Arbitration Agreement is inconsistent with 
    those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
    Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
    the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
    information and other con?dential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
    and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, con?dential unless otherwise required 
    by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
    applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the bene?t of, any person who is not 
    a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
    us, the arbitrator will provide a brief statement of the reasons for the award.
    Costs: If we ?le the arbitration, we will pay the initial ?ling fee. If you ?le the arbitration, you will pay your share of the initial ?ling fee, unless you seek and qualify for a 
    fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial ?ling fee if you paid it and you prevail. Except as 
    set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the ?rst day of that hearing. All other fees will be allocated in 
    keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse ?ling fees and other fees if the arbitration administrator 
    or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
    party�s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
    whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
    house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a 
    party upon a showing by the other party that the ?rst party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
    proceedings unreasonably or vexatiously.
    No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
    parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
    general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
    shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
    individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
    arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
    transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
    regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the administrator�s rules.
    Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
    litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
    trial has begun or a ?nal judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
    Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
    you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
    notice.
    An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
    provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
    shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.
    Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
    concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
    amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled �No Class Arbitration or Consolidation or Joinder 
    of Parties� is declared unenforceable, the remainder shall be enforceable. If the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared 
    unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
    be null and void in such proceeding.
    � 2018 Credit One Bank, N.A. All rights reserved.
        Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks. C50-00842 D037 / M-121431
     Back to Top
                                           7
    D038
     Interest Rates and Interest Charges
     ANNUAL PERCENTAGE RATE 
                         25.24%
     (APR) for Purchases
         
                         This APR will vary with the market based on the Prime Rate.
     and Cash Advances
                         Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest     interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                         begin charging interest on Cash Advances on the posting date.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
     For Credit Card Tips from the 
                         To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                         the Consumer Financial Protection Bureau at http://www.consumer?nance.gov/learnmore.
     Bureau
     Fees
     Fees                Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                         after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                         charges.
     � Annual Fee        $0
     Transaction Fees
      
     � Cash Advance      Either $10 or 3% of the amount of each Cash Advance, whichever is greater.
     � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
     Penalty Fees
                          
     � Late Payment      Up to $37
     � Returned Payment  Up to $35
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).�
          See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
          your account agreement.
                                           1
                             VISA/MASTERCARD CARDHOLDER AGREEMENT,
                           DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
    This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA� or Mastercard� Account issued 
    by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to all persons, jointly and severally, authorized to use 
    the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
    Card, you agree as follows: 
    IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.
    1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the ?nance charge or the manner in which the ?nance charges are 
    calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
    and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
    by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
    change, and close your Account.
    2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
    allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least ?fteen years of age, you understand that: (1) 
    you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
    any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
    including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
    you agree to be liable for the Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve 
    the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
    the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
    agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
    from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone.
    3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives con?icting instructions from one or more of you, or if Credit One Bank has reason to 
    believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any con?icting 
    instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
    liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
    in this section.
    4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
    billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
    would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
    up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance 
    exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
    under this paragraph.
    5. USING YOUR CARD:  You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments where the Card is 
    accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating ?nancial institutions. Each Purchase and Cash Advance obtained will reduce the available 
    credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit limit. Cash Advances cannot exceed two transactions or more 
    than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all Purchases and Cash Advances, as well as all ?nance charges, and other 
    fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use 
    and may not be used for business purposes.
    6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree that we shall have 
    no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational dif?culties prevent authorization of a transaction, (c) 
    authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.
    7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
    on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, ?nance charges, other charges, and payments and credits posted 
    during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
    order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
    your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
    Bank�s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
    will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
    accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Paci?c Time (�PT�).
    8. FINANCE CHARGES: Your Card Account is subject to ?nance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
    Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
    (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
    Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may vary and will be determined by adding 20.74% 
    to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not 
    published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the ?rst day of the following 
    month. The new rate will be applied to all balances on the Account. The APR for all balances is 4.50% plus 20.74%, currently 25.24% (corresponding monthly periodic rate 
    of 2.1033%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged 
    interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each 
    month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and 
    will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of 
    your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us 
    the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
                                           2
    balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, 
    other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees 
    accrue ?nance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
    (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
    amount advanced, whichever is greater.
    (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� section of this 
    Agreement.
    (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
    $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.
    (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except Cash Advance 
    fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.
    (f) Periodic Statement Annual Percentage Rate: If a ?nance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
    Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
    billing period in which such ?nance charge is posted to your Account.
    9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
    5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.
    10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
    Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
    a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
    of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
    and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.
    11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
    Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
    cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
    Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
    to your minimum payment amount. When you sign up for such services, you will be noti?ed if a fee for the service will be imposed and if it is required to be added to your 
    minimum payment.
    12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
    In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
    receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
    you will not receive a refund of this amount.
    13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
    transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
    for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
    your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
    sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
    the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
    special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
    payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
    up to ?ve business days of receipt.
    Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
    transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
    re-present the returned check electronically.
    14. POSTDATED CHECKS: You agree that we need not examine any payment check to con?rm that it is not postdated, and that we may deposit any postdated check for 
    payment to us on the day we receive it.
    15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as �paid in full,� must be 
    sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked �paid in full� to the 
    above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
    Agreement, including our right to seek payment of the full balance of your Account.
    16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
    to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
    (4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
    and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep con?dential information under Section 1808.21 of the California 
    Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit ?le to consumer reporting agencies and others who may 
    properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
    is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
    and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.
    17. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone 
    number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
    include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and arti?cial voice message, text/SMS message or email. Phone numbers and email 
    addresses you provide include those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not 
    limited to: obtaining information; activation of the card for veri?cation and identi?cation purposes; account transactions or servicing related matters; suspected fraud or 
    identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for 
    incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemni?cation: If 
                                           3
    you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys� 
    fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not want to receive communications 
    as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, 
    (ii) in that written notice, include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease 
    via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please 
    provide the speci?c phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, 
    NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
    your preferences under the �Settings� section to remove these noti?cations. We cannot remove these online account noti?cations for you.
    18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
    payment when due; (3) you die, become insolvent, ?le a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
    ?nancial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
    receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
    material adverse change in your ?nancial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
    Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
    You promise to pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.
    19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
    Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
    described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
    termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
    Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
    zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
    you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement re?ecting the rounding.
    20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.
    21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
    to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
    expiration date. We have the right not to renew your Card for any reason.
    22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or Visa Inc. will convert that 
    charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for 
    the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable 
    central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
    the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
    may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.
    23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
    your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
    P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
    unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
    terminate this user�s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
    this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
    All terms and conditions of this Agreement and the application shall apply to any substitute Account.
    24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
    A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
    established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
    limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be noti?ed by mail if your 
    request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s 
    procedure for applying for a credit limit increase, contact us at (877) 825-3242.
    25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for Online Account Access at: 
    www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
    can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
    This service is subject to change or cancellation without notice.
    26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.
    27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.
    28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
    of the State of Nevada, excluding the con?icts of law provisions thereof, regardless of your state of residence.
    29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
    this Agreement. 
                           CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)
    This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration Agreement (collectively, the 
    �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In this Program, the words �we,� �us,� �our� and �Credit 
    One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly and severally, authorized to use the Account and thereby participate in the 
                                           4
    Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the event of any con?ict 
    between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
    EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
    types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
    �eligible net Purchases� made with your Account. Eligible net Purchases are de?ned as Purchases minus any returns or other credits from the same merchants. You will not 
    earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding 
    �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as de?ned within 
    your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One 
    Rewards Credit.�
    PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic statement credits for 
    rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
    billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in default as de?ned within your Cardholder Agreement. Disputed or 
    unauthorized Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise speci?ed. This Program excludes Accounts already enrolled 
    in a different Credit One rewards program.
    AMENDMENTS: The Program may be amended (added to, modi?ed or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
    prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section. Any 
    revisions may affect your ability to earn rewards.
    TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
    for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
    distribution of the rewards earned during the current billing period in the form of a statement credit.
    LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
    behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
    (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
    direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
    shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
    federal, state or local law.
                          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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
    In your letter, give us the following information:
     �  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 at 877-825-3242, 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 ?nish 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 ?rst $50 of the amount you 
    question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    If you are dissatis?ed 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 dissatis?ed with the Purchase, contact us in writing at: Bank
      Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
    While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 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.
                                           5
                                    ARBITRATION AGREEMENT
    PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY 
    CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
    JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
    A HEARING AND BE REPRESENTED BY COUNSEL.
    Agreement to Arbitrate:
    You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are called �Claims�), be 
    submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
    enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.
    Claims Covered:
     � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
      your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
      authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or bene?ts 
      programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
      preceding the opening of) your Account, goods or services ?nanced under your Account, or the terms of ?nancing; the application, enforceability or interpretation of the Card 
      Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
      Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
     � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
      applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
      that relate directly to us, a parent company, af?liated company, and any predecessors and successors (and the employees, of?cers and directors of all of these entities), 
      but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
      person or entity named as a defendant or respondent in a Claim brought by you against us.
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
      law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
      equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
      alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
      or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
      to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 
      court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
      on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
      action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
      the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 
      must proceed on an individual basis.
    Claims Not Covered:
     � Claims are not subject to arbitration if they are ?led by you or us in a small claims court or your state�s equivalent court, so long as the matter remains in such court 
      and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
      not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 
      to arbitration and are for the arbitrator to decide.
    Initiation of Arbitration: The party ?ling arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
    rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
    NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on ?le 
    for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
    to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
    related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:
         
    American Arbitration Association (�AAA�)
    1-800-778-7879
    Web Site:  www.adr.org
    If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.
    Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years� experience or a retired 
    or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
    applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is ?led unless this Arbitration Agreement is inconsistent with 
    those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
    Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
    the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
    information and other con?dential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
    and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, con?dential unless otherwise required 
    by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
    applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the bene?t of, any person who is not 
    a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
    us, the arbitrator will provide a brief statement of the reasons for the award.
                                           6
    Costs: If we ?le the arbitration, we will pay the initial ?ling fee. If you ?le the arbitration, you will pay your share of the initial ?ling fee, unless you seek and qualify for a 
    fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial ?ling fee if you paid it and you prevail. Except as 
    set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the ?rst day of that hearing. All other fees will be allocated in 
    keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse ?ling fees and other fees if the arbitration administrator 
    or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
    party�s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
    whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
    house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a 
    party upon a showing by the other party that the ?rst party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
    proceedings unreasonably or vexatiously.
    No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
    parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
    general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
    shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
    individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
    arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
    transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
    regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the administrator�s rules.
    Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
    litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
    trial has begun or a ?nal judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
    Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
    you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
    notice.
    An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
    provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
    shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.
    Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
    concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
    amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled �No Class Arbitration or Consolidation or Joinder 
    of Parties� is declared unenforceable, the remainder shall be enforceable. If the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared 
    unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
    be null and void in such proceeding.
    � 2018 Credit One Bank, N.A. All rights reserved.
        Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks. C50-00843 D038 / M-121432
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    D039
     Interest Rates and Interest Charges
     ANNUAL PERCENTAGE RATE  17.24%
     (APR) for Purchases
                         This APR will vary with the market based on the Prime Rate.
     ANNUAL PERCENTAGE RATE  25.24%
     (APR) for Cash Advances
                         This APR will vary with the market based on the Prime Rate.
                         Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest     interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                         begin charging interest on Cash Advances on the posting date.
                         If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge
                         cycle in which an Interest Charge is due.
     For Credit Card Tips from the 
                         To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                         the Consumer Financial Protection Bureau at http://www.consumer?nance.gov/learnmore.
     Bureau
     Fees
     Set-up and Maintenance Notice: You may still reject this plan, provided that you have not yet used the account or paid a fee 
     Fees                after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                         charges.
     � Annual Fee        $0
     Transaction Fees
     � Cash Advance      Either $10 or 3% of the amount of each cash advance, whichever is greater.
     Penalty Fees
      
     � Late Payment      Up to $37  
     � Returned Payment  Up to $35
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�
          See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
          your account agreement.
                                           1
                             VISA/MASTERCARD CARDHOLDER AGREEMENT,
                           DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
    This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA� or Mastercard Account issued 
    by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to all persons, jointly and severally, authorized to use 
    the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
    Card, you agree as follows: 
    IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.
    1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the ?nance charge or the manner in which the ?nance charges are 
    calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
    and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
    by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
    change, and close your Account.
    2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
    allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least ?fteen years of age, you understand that: (1) 
    you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
    any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
    including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
    you agree to be liable for the Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve 
    the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
    the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
    agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
    from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
    3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives con?icting instructions from one or more of you, or if Credit One Bank has reason to 
    believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any con?icting 
    instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
    liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
    in this section.
    4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
    billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
    would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
    up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance 
    exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
    under this paragraph.
    5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments where the Card is 
    accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating ?nancial institutions. Each Purchase and Cash Advance obtained will reduce the available 
    credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit limit. Cash Advances cannot exceed two transactions or more 
    than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all Purchases and Cash Advances, as well as all ?nance charges, and other 
    fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use 
    and may not be used for business purposes.
    6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree that we shall have 
    no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational dif?culties prevent authorization of a transaction, (c) 
    authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.
    7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
    on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, ?nance charges, other charges, and payments and credits posted 
    during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
    order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
    your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
    Bank�s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
    will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
    accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Paci?c Time (�PT�).
    8. FINANCE CHARGES: Your Card Account is subject to ?nance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
    Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
    (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
    Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may vary. The Purchase APR will be determined by 
    adding 12.74% to the Prime Rate and the Cash Advance APR is determined by adding 20.74% to the Prime Rate. The Prime Rate used to determine the Purchase and 
    Cash Advance APR is the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street Journal published on the 25th day of each month. 
    If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
    ?rst day of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The APR for Purchase balances is 
    4.50% plus 12.74%, currently 17.24% (corresponding monthly periodic rate of 1.4366%). The APR for Cash Advance balances is 4.50% plus 20.74%, currently 25.24% 
    (corresponding monthly periodic rate of 2.1033%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum 
    Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
    Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account 
    until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� 
                                           2
    we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid 
    Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing 
    cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge 
    will be assessed for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All 
    Cash Advances and Cash Advance fees accrue ?nance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or 
    even if that new balance was zero.
    (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
    amount advanced, whichever is greater.
    (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� section of this 
    Agreement.
    (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
    $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.
    (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except Cash Advance 
    fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.
    (f) Periodic Statement Annual Percentage Rate: If a ?nance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
    Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
    billing period in which such ?nance charge is posted to your Account.
    9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
    5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.
    10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
    Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
    a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
    of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
    and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.
    11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
    Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
    cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
    Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
    to your minimum payment amount. When you sign up for such services, you will be noti?ed if a fee for the service will be imposed and if it is required to be added to your 
    minimum payment.
    12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
    In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
    receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
    you will not receive a refund of this amount.
    13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
    transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
    for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
    your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
    sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
    the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
    special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
    payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
    up to ?ve business days of receipt.
    Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
    transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
    re-present the returned check electronically.
    14. POSTDATED CHECKS: You agree that we need not examine any payment check to con?rm that it is not postdated, and that we may deposit any postdated check for 
    payment to us on the day we receive it.
    15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as �paid in full,� must be 
    sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked �paid in full� to the 
    above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
    Agreement, including our right to seek payment of the full balance of your Account.
    16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
    to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
    (4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
    and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep con?dential information under Section 1808.21 of the California 
    Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit ?le to consumer reporting agencies and others who may 
    properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
    is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
    and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.
    17. COMMUNICATIONS: (a) CONSENT: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone 
    number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
    include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and arti?cial voice message, text/SMS message or email. Phone numbers and 
    email addresses you provide include those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but 
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    are not limited to: obtaining information; activation of the card for veri?cation and identi?cation purposes; account transactions or servicing related matters; suspected 
    fraud or identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may 
    incur for incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
    INDEMNIFICATION: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, 
    including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do 
    not want to receive communications as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) provide us with written 
    notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; (iii) advise 
    whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease 
    via telephone number(s) and/or email, please provide the speci?c phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank 
    Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously 
    selected as part of your online account, you must update your preferences under the ��Settings� section to remove these noti?cations. We cannot remove these online 
    account noti?cations for you.
    18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
    payment when due; (3) you die, become insolvent, ?le a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
    ?nancial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
    receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
    material adverse change in your ?nancial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
    Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
    You promise to pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.
    19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
    Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
    described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
    termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
    Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
    zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
    you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement re?ecting the rounding.
    20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.
    21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
    to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
    expiration date. We have the right not to renew your Card for any reason.
    22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or Visa Inc. will convert that 
    charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for 
    the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable 
    central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
    the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
    may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.
    23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
    your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
    P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
    unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
    terminate this user�s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
    this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
    All terms and conditions of this Agreement and the application shall apply to any substitute Account.
    24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
    A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
    established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
    limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be noti?ed by mail if your 
    request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s 
    procedure for applying for a credit limit increase, contact us at (877) 825-3242.
    25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for Online Account Access at: 
    www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
    can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
    This service is subject to change or cancellation without notice.
    26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.
    27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.
    28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
    of the State of Nevada, excluding the con?icts of law provisions thereof, regardless of your state of residence.
    29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
    this Agreement. 
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                           CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)
    This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration Agreement (collectively, the 
    �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In this Program, the words �we,� �us,� �our� and �Credit 
    One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly and severally, authorized to use the Account and thereby participate in the 
    Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the event of any con?ict 
    between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control.
    EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
    types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
    �eligible net Purchases� made with your Account. Eligible net Purchases are de?ned as Purchases minus any returns or other credits from the same merchants. You will not 
    earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding 
    �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as de?ned within 
    your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One 
    Rewards Credit.�
    PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic statement credits for 
    rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
    billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in default as de?ned within your Cardholder Agreement. Disputed or 
    unauthorized Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise speci?ed. This Program excludes Accounts already enrolled 
    in a different Credit One rewards program. 
    AMENDMENTS: The Program may be amended (added to, modi?ed or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
    prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section. Any 
    revisions may affect your ability to earn rewards.
    TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
    for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
    distribution of the rewards earned during the current billing period in the form of a statement credit.
    LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
    behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
    (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
    direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
    shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
    federal, state or local law.
                          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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
    In your letter, give us the following information:
     �  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 at 877-825-3242, 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 ?nish 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 ?rst $50 of the amount you 
    question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    If you are dissatis?ed 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
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      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 dissatis?ed with the Purchase, contact us in writing at: Bank
      Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
    While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 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.
                                    ARBITRATION AGREEMENT
    PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY 
    CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
    JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
    A HEARING AND BE REPRESENTED BY COUNSEL.
    Agreement to Arbitrate:
    You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are called �Claims�), be 
    submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
    enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.
    Claims Covered:
     � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
      your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
      authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or bene?ts 
      programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
      preceding the opening of) your Account, goods or services ?nanced under your Account, or the terms of ?nancing; the application, enforceability or interpretation of the Card 
      Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
      Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
     � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
      applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
      that relate directly to us, a parent company, af?liated company, and any predecessors and successors (and the employees, of?cers and directors of all of these entities), 
      but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
      person or entity named as a defendant or respondent in a Claim brought by you against us.
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
      law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
      equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
      alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
      or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
      to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 
      court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
      on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
      action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
      the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 
      must proceed on an individual basis.
    Claims Not Covered:
     � Claims are not subject to arbitration if they are ?led by you or us in a small claims court or your state�s equivalent court, so long as the matter remains in such court 
      and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
      not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 
      to arbitration and are for the arbitrator to decide.
    Initiation of Arbitration: The party ?ling arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
    rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
    NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on ?le 
    for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
    to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
    related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:
    American Arbitration Association (�AAA�)
    1-800-778-7879
    Web Site:  www.adr.org
    If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.
    Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years� experience or a retired 
    or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
    applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is ?led unless this Arbitration Agreement is inconsistent with 
    those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
    Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
    the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
    information and other con?dential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
    and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, con?dential unless otherwise required 
                                           6
    by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
    applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the bene?t of, any person who is not 
    a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
    us, the arbitrator will provide a brief statement of the reasons for the award.
    Costs: If we ?le the arbitration, we will pay the initial ?ling fee. If you ?le the arbitration, you will pay your share of the initial ?ling fee, unless you seek and qualify for a 
    fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial ?ling fee if you paid it and you prevail. Except as 
    set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the ?rst day of that hearing. All other fees will be allocated in 
    keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse ?ling fees and other fees if the arbitration administrator 
    or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
    party�s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
    whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
    house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a 
    party upon a showing by the other party that the ?rst party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
    proceedings unreasonably or vexatiously.
    No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
    parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
    general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
    shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
    individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
    arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
    transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
    regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the administrator�s rules.
    Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
    litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
    trial has begun or a ?nal judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
    Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
    you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
    notice.
    An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
    provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
    shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.
    Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
    concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
    amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled �No Class Arbitration or Consolidation or Joinder 
    of Parties� is declared unenforceable, the remainder shall be enforceable. If the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared 
    unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
    be null and void in such proceeding.
    � 2018 Credit One Bank, N.A. All rights reserved.
        Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks. C50-00844 D039 / M-121433
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    D040
     Interest Rates and Interest Charges
     ANNUAL PERCENTAGE RATE 
                         25.15%
     (APR) for Purchases
         
                         This APR will vary with the market based on the Prime Rate.
     and Cash Advances
     Paying Interest     You will be charged interest on Purchases and Cash Advances from the posting date.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
     For Credit Card Tips from the 
                         To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                         the Consumer Financial Protection Bureau at http://www.consumer?nance.gov/learnmore.
     Bureau
     Fees
     Fees                Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                         your initial available credit. If your Account is established with a $300 credit line, your initial available 
                         credit will be only about $225. If established with a $400 credit line, your initial available credit will 
                         be only about $325. If established with a $500 credit line, your initial available credit will be only 
                         about $425.
                         You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                         receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.
     � Annual Fee        $75 for the ?rst year. After that, $99 ($8.25 per month). 
     Transaction Fees
      
     � Cash Advance      Either $5 or 8% of the amount of each Cash Advance, whichever is greater.
     � Foreign Transaction Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.
     Penalty Fees
                          
     � Late Payment      Up to $37
     � Returned Payment  Up to $35
          How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).�
          See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details.
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
          your account agreement.
          Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User
          Participation Card Fee of $19 annually. This fee will reduce the amount of your available credit.
                                           1
                             VISA/MASTERCARD CARDHOLDER AGREEMENT,
                           DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT
    This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA� or Mastercard� Account issued 
    by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to all persons, jointly and severally, authorized to use 
    the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
    Card, you agree as follows: 
    IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.
    1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the ?nance charge or the manner in which the ?nance charges are 
    calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
    and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
    by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
    change, and close your Account.
    2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
    allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least ?fteen years of age, you understand that: (1) 
    you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
    any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
    including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
    you agree to be liable for the Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve 
    the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
    the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
    agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
    from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
    Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User�s name. This 
    Fee will be assessed annually in the month the Authorized User was added to the Account.
    3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives con?icting instructions from one or more of you, or if Credit One Bank has reason to 
    believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any con?icting 
    instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
    liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
    in this section.
    4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
    billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
    would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
    up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance 
    exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
    under this paragraph.
    5. USING YOUR CARD:  You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments where the Card is 
    accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating ?nancial institutions. Each Purchase and Cash Advance obtained will reduce the available 
    credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit limit. Cash Advances cannot exceed two transactions or more 
    than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all Purchases and Cash Advances, as well as all ?nance charges, and other 
    fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use 
    and may not be used for business purposes.
    6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree that we shall have 
    no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational dif?culties prevent authorization of a transaction, (c) 
    authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.
    7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
    on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, ?nance charges, other charges, and payments and credits posted 
    during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
    order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
    your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
    Bank�s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
    will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
    accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Paci?c Time (�PT�).
    8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for your Account beginning 
    in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be billed to your Account as long as it remains 
    open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable as 
    long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Fee Notice, as required 
    by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: 
    the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing 
    credit information to credit reporting agencies, and providing the opportunity for additional credit.
    9. FINANCE CHARGES: Your Card Account is subject to ?nance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
    Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
    (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees and charges to your Account, 
                                           2
    the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may vary and will be determined by adding 
    20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is 
    not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the ?rst day of the following 
    month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 
    20.65%, currently 25.15% (corresponding monthly periodic rate of 2.0958%). The most recent Annual Percentage Rate was disclosed to you when you received your credit 
    card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest 
    Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in 
    full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning 
    balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
    This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
    �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue 
    ?nance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
    (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
    amount advanced, whichever is greater.
    (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� section of this 
    Agreement.
    (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
    $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.
    (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and other charges, except Cash 
    Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.
    (f) Periodic Statement Annual Percentage Rate: If a ?nance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
    Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
    billing period in which such ?nance charge is posted to your Account.
    10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
    5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.
    11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
    Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
    a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
    of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
    and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.
    12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
    Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
    cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
    Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
    to your minimum payment amount. When you sign up for such services, you will be noti?ed if a fee for the service will be imposed and if it is required to be added to your 
    minimum payment.
    13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
    In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
    receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
    you will not receive a refund of this amount.
    14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
    transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
    for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
    your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
    sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
    the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
    special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
    payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
    up to ?ve business days of receipt.
    Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
    transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
    re-present the returned check electronically.
    15. POSTDATED CHECKS: You agree that we need not examine any payment check to con?rm that it is not postdated, and that we may deposit any postdated check for 
    payment to us on the day we receive it.
    16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as �paid in full,� must be 
    sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked �paid in full� to the 
    above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
    Agreement, including our right to seek payment of the full balance of your Account.
    17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
    to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
    (4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
    and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep con?dential information under Section 1808.21 of the California 
    Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit ?le to consumer reporting agencies and others who may 
    properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
    is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
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    and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.
    18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone 
    number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
    include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and arti?cial voice message, text/SMS message or email. Phone numbers and email 
    addresses you provide include those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not 
    limited to: obtaining information; activation of the card for veri?cation and identi?cation purposes; account transactions or servicing related matters; suspected fraud or 
    identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for 
    incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemni?cation: If 
    you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys� 
    fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not want to receive communications 
    as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, 
    (ii) in that written notice, include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease 
    via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please 
    provide the speci?c phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, 
    NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
    your preferences under the �Settings� section to remove these noti?cations. We cannot remove these online account noti?cations for you.
    19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
    payment when due; (3) you die, become insolvent, ?le a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
    ?nancial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
    receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
    material adverse change in your ?nancial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
    Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
    You promise to pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.
    20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or 
    us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in full if 
    you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, or 
    if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its 
    best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
    immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
    pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
    after your closing statement cycles, and you may not receive a statement re?ecting the rounding.
    21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.
    22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
    to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
    expiration date. We have the right not to renew your Card for any reason.
    23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or Visa Inc. will convert that 
    charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for 
    the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable 
    central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
    the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
    may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.
    24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
    your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
    P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
    unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
    terminate this user�s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
    this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
    All terms and conditions of this Agreement and the application shall apply to any substitute Account.
    25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
    A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
    established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
    limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be noti?ed by mail if your 
    request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s 
    procedure for applying for a credit limit increase, contact us at (877) 825-3242.
    26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for Online Account Access at: 
    www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
    can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
    This service is subject to change or cancellation without notice.
    27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.
    28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.
    29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
                                           4
    of the State of Nevada, excluding the con?icts of law provisions thereof, regardless of your state of residence.
    30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
    this Agreement. 
                           CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)
    This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration Agreement (collectively, the 
    �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In this Program, the words �we,� �us,� �our� and �Credit 
    One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly and severally, authorized to use the Account and thereby participate in the 
    Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the event of any con?ict 
    between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
    EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
    types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
    �eligible net Purchases� (as de?ned below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
    within seven days of the end of the month equal to 1% or 2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to 
    the 26th of the current month. If your Account is in default, as de?ned within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the 
    credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�
    ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from merchants using select 
    Standard Industrial Classi?cation Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For automotive parts and services 
    Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549 are eligible. 
    Although a merchant or the items that it sells may appear to ?t the reward categories, the merchant may not have or use a SIC Code that is included in this Program, 
    and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been 
    designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this 
    Program. This means that Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not 
    eligible for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount supercenters 
    (including but not limited to Wal-Mart and Target).
    PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic statement credits for 
    rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
    statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services Purchases made while your Account is in default as de?ned 
    within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise speci?ed. 
    This Program excludes Accounts already enrolled in a different Credit One rewards program.
    AMENDMENTS: The Program may be amended (added to, modi?ed or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
    prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section. Any 
    revisions may affect your ability to earn rewards.
    TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
    for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
    distribution of the rewards earned during the current billing period in the form of a statement credit.
    LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
    behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
    (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
    direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
    shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
    federal, state or local law.
                          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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
    In your letter, give us the following information:
     �  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 at 877-825-3242, 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 ?nish 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.
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     �  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 ?rst $50 of the amount you 
    question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    If you are dissatis?ed 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 dissatis?ed with the Purchase, contact us in writing at: Bank
      Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
    While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 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.
                                    ARBITRATION AGREEMENT
    PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY 
    CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
    JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
    A HEARING AND BE REPRESENTED BY COUNSEL.
    Agreement to Arbitrate:
    You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are called �Claims�), be 
    submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
    enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.
    Claims Covered:
     � Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
      your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
      authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or bene?ts 
      programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
      preceding the opening of) your Account, goods or services ?nanced under your Account, or the terms of ?nancing; the application, enforceability or interpretation of the Card 
      Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
      Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
     � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
      applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
      that relate directly to us, a parent company, af?liated company, and any predecessors and successors (and the employees, of?cers and directors of all of these entities), 
      but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
      person or entity named as a defendant or respondent in a Claim brought by you against us.
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
      law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
      equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
      alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
      or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
      to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 
      court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
     � As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
      on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
      action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
      the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 
      must proceed on an individual basis.
    Claims Not Covered:
     � Claims are not subject to arbitration if they are ?led by you or us in a small claims court or your state�s equivalent court, so long as the matter remains in such court 
      and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
      not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 
      to arbitration and are for the arbitrator to decide.
    Initiation of Arbitration: The party ?ling arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
    rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
    NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on ?le 
    for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
    to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
    related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:
         
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    American Arbitration Association (�AAA�)
    1-800-778-7879
    Web Site:  www.adr.org
    If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.
    Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years� experience or a retired 
    or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
    applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is ?led unless this Arbitration Agreement is inconsistent with 
    those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
    Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
    the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
    information and other con?dential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
    and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, con?dential unless otherwise required 
    by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
    applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the bene?t of, any person who is not 
    a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
    us, the arbitrator will provide a brief statement of the reasons for the award.
    Costs: If we ?le the arbitration, we will pay the initial ?ling fee. If you ?le the arbitration, you will pay your share of the initial ?ling fee, unless you seek and qualify for a 
    fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial ?ling fee if you paid it and you prevail. Except as 
    set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the ?rst day of that hearing. All other fees will be allocated in 
    keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse ?ling fees and other fees if the arbitration administrator 
    or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
    party�s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
    whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
    house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a 
    party upon a showing by the other party that the ?rst party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
    proceedings unreasonably or vexatiously.
    No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
    parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
    general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
    shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
    individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
    arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
    transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
    regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the administrator�s rules.
    Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
    litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
    trial has begun or a ?nal judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
    Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
    you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
    notice.
    An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
    provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
    shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.
    Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
    concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
    amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled �No Class Arbitration or Consolidation or Joinder 
    of Parties� is declared unenforceable, the remainder shall be enforceable. If the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared 
    unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
    be null and void in such proceeding.
    � 2018 Credit One Bank, N.A. All rights reserved.
        Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks. C50-00845 D040 / M-123151
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     D050            
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
                           25.65% 
      (APR) for Purchases 
      and Cash Advances    This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
      Paying Interest      interest on Purchases if you pay your entire balance by the Payment Due Date each month. We 
                           will begin charging interest on Cash Advances on the posting date. 
      Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website 
      Consumer Financial Protection 
                           of the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
      Fees                 after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
      � Annual Membership Fee  $39 
                            
                            
      Transaction Fees      
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
      Penalty Fees          
      � Late Payment       Up to $38 
                            
      � Returned Payment   Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to 
     all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its 
     successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under 
     this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which 
     the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by 
     law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. If you do not 
     wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least 
     fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account including 
     all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit established for the 
     Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment information. If you 
     provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the Authorized User�s 
     use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the right to terminate the 
     Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on the 
     credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to 
     consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card 
     lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from your Account via mail or 
     telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One 
     Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following 
     actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) 
     terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any other request with 
     respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You 
     agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not 
     obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your Credit Limit 
     at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit over your Credit 
     Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments 
     where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each Purchase and Cash 
     Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit 
     limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount 
     of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card Account. You may not use your 
     Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
                                           2 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the remaining 
     portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper statements will not 
     be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or telephone, for which a fee 
     may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank will not be responsible 
     for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
     accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 
     p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable 
     as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related 
     to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
     of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional 
     credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees and 
     charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business day 
     will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all balances 
     on the Account. The APR for all balances is 4.50% plus 21.15%, currently 25.65% (corresponding monthly periodic rate of 2.1375%). The most recent 
     Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; 
     the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid 
     in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account 
     until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the 
     �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and 
     subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the 
     billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� 
     section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of 
     the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $38.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: 
     (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) 
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy 
     requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your 
     Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a replacement card, a 
     Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
                                           3 
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment 
     Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount by the 
     Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign up for 
     such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive 
     billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor special 
     instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned 
     to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any 
     postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is provided. 
     (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our 
     employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact 
     you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The 
     ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, 
     text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which 
     we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and 
     identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing 
     information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or 
     outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemnification: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable 
     attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not 
     want to receive communications as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) 
     providing us with written notice revoking your prior consent, (ii) in that written notice, include your name, mailing address, and the last four digits of 
     your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
     forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and 
     email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) 
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     Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit 
     One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not paying your 
     debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) you violate 
     any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your card(s), declare 
     your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to pay any collection 
     costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account 
     is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the 
     Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the 
     Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or 
     without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or involuntary Account 
     termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, when your Account is 
     closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay this amount; or (2) a 
     credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur after 
     your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your 
     Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imp osed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs 
     after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not exceed 
     $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the Card and 
     returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may be replaced 
     with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All terms and 
     conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a credit 
     limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints 
     may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
                                           5 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such 
     laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are eligible. 
     For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, 
     cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus any returns 
     or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may 
     not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn 
     rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than one location 
     may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that Purchases from the 
     same merchant at a different location may result in no reward.  Purchases from the following types of merchants are not eligible for rewards: oil, 
     propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount supercenters 
     (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn 
     rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible 
     SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the 
     Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed 
     above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
                                           6 
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT 
     TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. 
     IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES 
     ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE A HEARING 
     AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are 
     called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law 
     is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, 
                                           7 
       or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, introduced, 
       sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your Account, goods or 
       services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card Agreement (except for 
       this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and 
       us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the 
       law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through 
       you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims 
       subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and successors 
       (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, even if we are not 
       properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or respondent in a 
       Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are 
       made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as 
       counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders 
       or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other 
       party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but 
       must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney 
       general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we require 
       arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney general 
       action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter remains 
       in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration 
       Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or 
       interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit 
     One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or 
     (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator 
     or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which you and we agree 
     in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms and instructions for 
     initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration 
     is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will prevail. This 
     Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may limit the amount 
     of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable statutes of limitations, 
     and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account information and other 
     confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You and 
     we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless 
     otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief 
     provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not have the power to award 
     relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in writing but need not 
                                           8 
     provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons 
     for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you 
     paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first 
     day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance 
     or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to do so, or 
     we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and other expenses, 
     regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should recover any or all 
     expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-house attorneys� costs, 
     that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a party 
     upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the 
     arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than 
     individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card 
     Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action be 
     pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the arbitration, 
     Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those persons are 
     applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related transactions); 
     this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration 
     Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the 
     administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, 
     or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such 
     Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement 
     at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in 
     connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We will not amend 
     this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only 
     in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any 
     other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer 
     or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the 
     section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If the section 
     titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without impairing 
     the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
     . 
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00637  D050 / M-124216 
                                           9 
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     D017            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.65% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
      when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly state ment electronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 21.15%, currently 25.65% (corresponding monthly periodic rate of 
      2.1375%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
      was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases,Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
      your Account. 
       
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
                                           3 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
                                           4 
      revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
      (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
      requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement. 
       
      24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
      using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
      occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
      terms and conditions of this Agreement and the application shall apply to any substitute Account. 
       
      25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
      time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
      credit limit increase, contact us at (877) 825-3242. 
                                           5 
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
      for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
       
      28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
       
      29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
       
      30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
      and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
     net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
      and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
      Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
      within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
      billing statement as �Credit One Rewards Credit.� 
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
      www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
      TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
      will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
      listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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. 
                                           6 
      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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
                                           7 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
                                           8 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
      any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
      Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
      time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
      will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
       
      An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
      judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00929  D017 / M-124213 
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      Back to Top
     D018            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.65% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 First year, then $39 billed annually. 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new transactions)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Author ized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: There is no Annual Membership Fee for your Account in Year one (during the first 12 months after account 
      opening). The Annual Membership Fee for your Account beginning in Year two is $39.00. The Annual Membership Fee will be billed to your Account 
      as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your 
      outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 21.15%, currently 25.65% (corresponding monthly periodic rate of 
      2.1375%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
      was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date  it is 
      paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
      balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
      payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater.  
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to  avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you  have a credit balance of $1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
       
      17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
      furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
                                           4 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are g enerally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
      Program with respect to matters relating to the Program, this Program shall control.  
      EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
      determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
     net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
     and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
     Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
      within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
     billing statement as �Credit One Rewards Credit. 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
      default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
      caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
                                           6 
      �  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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
                                           7 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
                                           8 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
      any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
      Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
      time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
      will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
      any other dispute or controversy. 
       
      Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
      between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
      transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
      impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
      � 2018 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00928  D018 / M-124212 
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      Back to Top
     D019            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.65% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new transactions)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
       
      2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
      right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
      may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
      payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
      your Account via mail or telephone.  
       
      3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
      One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
      following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
      resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
      other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
       
      4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
      be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes.  
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement.  
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of  receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�).  
       
      8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to 
      your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may 
      vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street 
      Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business day will be 
      used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all balances on 
      the Account. The APR for all balances is 4.50% plus 21.15%, currently 25.65% (corresponding monthly periodic rate of 2.1375%). The APR will 
     never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you 
     when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less 
     than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
      will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be 
      calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the 
      beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and 
      unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by 
     the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily 
      balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your Account is paid 
      in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges 
     starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.  
      (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
      of $5.00 or 8% of the amount advanced, whichever is greater.  
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement.  
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
      (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, 
     except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases.  
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
      
     9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account.  
      
     10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
      
     11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
       
                                           3 
      12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
       
      13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt.  
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically.  
       
      14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
      any postdated check for payment to us on the day we receive it.  
       
      15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
      �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
      or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
      with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
       
      16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
      credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
      qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection.  
       
      17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
      revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
      (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
      requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
      must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
      ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
      your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you.  
       
                                           4 
      18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
       
      20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account.  
       
      21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
       
      22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
      pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
      transactions as described under the Finance Charge section of this Agreement.  
      
     23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
      exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
      Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
      be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
      depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
      your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
      
     25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
      constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
      
     26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
      
     27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
                                           5 
       
      28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
      such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
       
      29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
      be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
      ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
      Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
      eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
      internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
      any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
      merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
      NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
      one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
      Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
      for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
      supercenters (including but not limited to Wal-Mart and Target).  
      PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
      statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
      Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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. 
                                           6 
      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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
       
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
                                           7 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
                                           8 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
      any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
      Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
      time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
      will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
      any other dispute or controversy. 
       
      Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
      between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
      transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
      impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
      � 2018 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00927  D019 / M-124211 
                                           9 
      Back to Top
     D020            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.65% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee   $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
      account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
      least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
      including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
      established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
      information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
      Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
      Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
      your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
      Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
      you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
      to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
      for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. The APR for all balances is 4.50% plus 21.15%, currently 25.65% (corresponding monthly periodic rate of 
      2.1375%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
      was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
      Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases,Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
      Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
      fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
      (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
      Requests� section of this Agreement. 
      (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
      of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
      your Account. 
       
      11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
      following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
                                           3 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to  avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we proce ss in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
      any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
      your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
      waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
      However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
      provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
      between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
      protection. 
       
      18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
      any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
      in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
      email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
      other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
                                           4 
      revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
      (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
      for you. 
       
      19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
      to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
      Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
      you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
       
      20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
      Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
      Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
      is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
                                           5 
       
      26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
      for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
      receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
       
      27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
      this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
      and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
      and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
      Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
      your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
      previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
     internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
     any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
      making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                                            
                                           6 
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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 acce sses 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00912  D020 / M-123174 
                                           9 
      Back to Top
     D842            
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $500 credit line, your 
                           initial available credit will be $440.  
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $60 First year, then $60 billed monthly at $5.00. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
      Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
      Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Author ized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
      You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
      is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing wo uld take you over your 
      Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
      over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
       
      5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant 
      establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
      Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
      your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
      Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
      used for business purposes. 
       
      6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
      that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
      authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
      to any term of this Agreement. 
       
                                           2 
      7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
      an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
      other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
      making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
      remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
      statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
      telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
      Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
      Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
      payment is received by 5:00 p.m. Pacific Time (�PT�). 
       
      8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $60.00 and will be billed to your Account when it is 
      opened. The Annual Membership Fee for your Account beginning in year two is $60.00 and will be billed to your Account in monthly installments of 
      $5.00 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
      Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee i s refundable as 
      long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
      Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
      for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
      renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
      providing the opportunity for additional credit. 
       
      9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
      the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
      (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
      other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
      and Cash Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
      edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
      next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
      applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.50% plus 16.65%, 
      currently 21.15% (corresponding monthly periodic rate of 1.7625%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
      Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
      Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
      paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
      balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
      payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
      cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the 
     date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
                                           3 
      Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
      statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
      the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
      replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
       
      12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
      statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
      any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to  avoid a Late 
      Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
      by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
      up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
       
      13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
      agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
      will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
      consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
       
      14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
      format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
      the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
      outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
      payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
      must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
      statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
      special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
      accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
      Crediting of such payments may be delayed up to five business days of receipt. 
      Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
      time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
      returned to us by your bank unpaid, we may re-present the returned check electronically. 
       
      15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
                                           4 
      telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
      reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION 
      REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
      (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
      paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
      card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
      pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
      any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
      involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
      when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
      this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
      zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
      of your Card Account. 
       
      22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
      must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
      your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
       
      23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
      Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
      rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
      receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
      date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
      also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
                                           5 
      application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
      indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, s ystems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
     internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
     any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
      earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
      AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
      eligible SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
      LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
      have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  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 at 877-825-3242, 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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
      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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
                                           7 
      ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
      CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
       
      Agreement to Arbitrate: 
      You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
      are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
      commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
      law is applicable), the State law governing the Card Agreement. 
       
      Claims Covered: 
      �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
      � Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
      �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
      �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
      �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
       
      Claims Not Covered: 
      �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
       
      Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
      you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
      Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
      address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
      by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
      you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
      and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
       
      American Arbitration Association (�AAA�)  
      1-800-778-7879  
      Web Site: www.adr.org  
       
      If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
      arbitrator. 
                                           8 
       
      Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
      experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
      The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
      arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
      prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
      limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
      statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
      information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
      so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
      award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
      damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
      have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
      writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
      statement of the reasons for the award. 
       
      Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
      and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
      you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
      first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
      advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
      do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
      other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
      recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
      house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
      and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
      purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
       
      No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
      than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
      Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
      be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
      Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
      arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
      persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
      transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
      Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
      pursuant to the administrator�s rules. 
       
      Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
      arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00915  D842 / M-123177 
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