JOB SPECS:
Flat Size:
8.25” x 20.75” 

Finished Size: 
8.25” x 3.75” 

Colors: 

Front: Black
Back: Black 

Bleed: No 

Note: None 

Indigo® Platinum Mastercard® Cardholder Agreement

F03-W535-7 -0817

Dear Accountholder:
This Agreement, as defined below, is your contract for your Account and:

•  Covers the terms that govern the use of your Indigo Platinum 

Mastercard Account;

•  Outlines both your responsibilities and ours;
•  Includes certain disclosures required by the Federal Truth in 

Lending Act; 

•  Includes certain disclosures required by the Federal Military 

Lending Act; 

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it, and;

•  Contains important information about your Account.

We  encourage  you  to  read  the  Agreement  and  keep  it  for  your  records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

CARDHOLDER AGREEMENT 

This Agreement contains the terms that govern the use of your Indigo Platinum Mastercard Account 
and outlines both your responsibilities and ours. Please read it in its entirety and keep it for your 
reference. In addition, any written application, acceptance certificate or other request you signed or 
otherwise submitted for this Account (the “Application”), your Card and the Card Carrier that we send 
with your Card, and your signature (including any electronic or digital signature) on any Application, 
sales slip or other evidence of indebtedness on your Account, are hereby incorporated into and made 
a part of this Agreement. This Agreement begins on the earlier of (i) the date you sign or otherwise 
submit an Application that is approved by us, or (ii) the first date that we extend credit to you on 
your Account, as evidenced by a signed sales slip or memorandum, a Cash Advance transaction, 
or otherwise. 

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly Statements. In addition, the words you, your, and yours refer to the 
Cardholder(s) who holds the Card and is responsible for the Account, each of whom is individually and 
jointly obligated under this Agreement. The words we, us, and our refer to Celtic Bank. 
Account: The credit card account for which you were issued a Card imprinted with your Account 
number and that is subject to all of the terms and conditions of this Agreement. 
ATM: Automated Teller Machine. 
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 
30 days in length; however, the specific period of time is described on each monthly Statement. Your 
Account will have a Billing Cycle even if a Statement is not required. 
Card: Any Indigo Platinum Mastercard issued by us that you may use to obtain a Cash Advance, make 
Purchases, or lease goods or services on credit. Use of your Account number to obtain credit will be 
considered a use of the Card. 
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising from 
a Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial institution 
honoring the Card either presented directly or through any other credit instrument, check, device, 
overdraft coverage plan or ATM that we make available to you or that you use. All cash equivalent 
transactions will be treated as Cash Advances and will be billed to the Cash Advance segment of your 
Account. Transactions that we view as “cash equivalent transactions” include without limitation using 
your Card to purchase wire transfer money orders, bets, lottery tickets, casino gaming chips, and 
other similar products and services.
Closing Date: The date of the last day of a Billing Cycle.
Covered Borrower: Certain members of the Armed Forces and their dependents who are protected 
by the Military Lending Act.
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit will 
be disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods or 
services from participating establishments.
Statement: A monthly document we provide to you showing Account information including, among 
other  things,  Purchase  and  Cash  Advance  transactions,  credits  and  debits,  payments,  fees,  and 
interest charges made to your Account during a Billing Cycle. 

Purchases and Cash Advances. 
You may use your Card to purchase or lease goods or services from participating establishments. You 
may also use your Card to obtain Cash Advances from your Account at an ATM, or by presenting it to 
any institution that accepts the Card for that purpose. There are dollar limitations on individual Cash 
Advance transactions, and we may set a Cash Advance Limit for your Account. Please contact us for 
information about the Cash Advance limitations that apply to your Account. In addition, we may limit 
your Account to only one Cash Advance transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of your Card or 
Account, plus any applicable interest charges and other applicable charges or fees, payable in U.S. 
dollars. This includes amounts where you did not sign a purchase slip or other documents for the 
transaction. If you use your Account number without presenting your actual Card, such as for mail, 
telephone, or internet purchases, this will be treated the same way as if you presented your Card. Your 
promise to pay us will apply to your estate if you die.
We  may  limit  and  restrict  the  use  of  the  Account/Card  at  our  discretion.  Such  limitations  and 
restrictions include, but are not limited to, gambling transactions, which include, but are not limited to, 
internet-related lottery tickets, casino gambling chips, off-track betting and wagers at racetracks. You 
remain responsible for use of your Account/Card in any such transactions.
The Card may only be used for valid and lawful purposes. If you use, or you authorize someone else 
to use, the Card or Account for an unlawful or impermissible purpose, you will be responsible for such 
use and may be required to reimburse us or Mastercard for any amounts or expenses we or they incur 
as a result of such use.
The Card is and remains our property, and you will surrender it to us at any time upon request. 

Your Credit Limit. 
You may not use your Account in any way that would cause you to go over your Credit Limit. We 
may refuse to authorize or accept any transaction on your Account that would cause you to exceed 
your Credit Limit, even if you have authorized us to charge you an Overlimit Fee for doing so. We may 
temporarily agree to allow you to exceed your Credit Limit; however, in that case you must repay the 
excess amount according to the terms of this Agreement. Any transactions honored in excess of your 
Credit Limit will not result in an increase of your Credit Limit. We may at any time and without prior 
notice to you increase or decrease your Credit Limit, limit the Credit Limit for Cash Advances or take 
away your ability to obtain Cash Advances. 

MAKING PAYMENTS 

Monthly Statements. 
We will send a Statement at the end of each monthly Billing Cycle if there is a debit or credit balance on 
your account of $1 or more, a balance on which an interest charge has been imposed, or as otherwise 
required by applicable law. You agree to pay us, or any party to whom we may transfer and assign 
your Account or the amounts owing under your Account, in U.S. dollars according to all terms and 
conditions of this Agreement. Payments made by a check, money order or other negotiable instrument 
must be in a form acceptable to us and drawn on a U.S. financial institution. 

Monthly Minimum Payment. 
The Monthly Minimum Payment is 7% of your New Balance or $40, whichever is greater. If you elect 
not to pay your New Balance in full, you must pay at least the Monthly Minimum Payment by the 
Payment Due Date shown on your Statement, which is at least 25 days after the Closing Date of the 
Billing Cycle. Your Monthly Minimum Payment also will include any past due amount or any amount 
by which the New Balance exceeds your Credit Limit, whichever is greater. If your New Balance is 
less than or equal to your Monthly Minimum Payment, then your Monthly Minimum Payment will be 
equal to your New Balance.
Payments should be mailed with the payment coupon and in the envelope provided and following the 
other instructions on the Statement to Bankcard Services, P.O. Box 84059, Columbus, GA, 31908-
4059. Any payment received in that form and at that address on or before 5:00 P.M., Eastern Time, 
on a normal banking day will be credited to your Account that day. If your payment is received in that 
form and at that address after 5:00 P.M., Eastern Time, on a normal banking day, or any time on a 
non-banking day, we will credit it to your Account the next banking day. However, if your Payment 
Due Date occurs on a non-banking day, any payment received the next day which conforms to the 
above requirements will not be treated as late. Please allow at least seven (7) business days for postal 
delivery. Payments received by us at any other location or in any other form may not be credited as 
of the day we receive them.
If we accept a payment at a place other than the address in the immediately preceding paragraph, 
we may delay the crediting of the payment for up to five (5) days. This may cause you to incur Late 
Payment  Fees  and  additional  interest  charges,  and  may  result  in  your  Account  being  declared  in 
default.
We do not accept cash payments through the mail. You may not make payments with funds from your 
Account or any other credit account issued by us.
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 account or to process the payment as a check 
transaction. When we use information from your check to make an electronic fund transfer, funds may 
be withdrawn from your account as soon as the same day we receive your payment and you will not 
receive your check back from your financial institution.
At any time, you may pay part or all of the full amount you owe without incurring any additional charge 
for prepayment. The amount of any payment that exceeds your total New Balance will be applied as a 
credit to your Account, and any remaining credit balance will be refunded as required by law.
Credit  availability  may  be  delayed  at  our  sole  discretion  to  ensure  payment  in  good  funds.  Your 
available credit on your Credit Limit may not reflect your payments for up to 14 days. 

Application of Payments. 
For each Billing Cycle, payments up to the amount of your Monthly Minimum Payment will be allocated 
in any way we determine, including to balances with lower Annual Percentage Rates before balances 
with higher Annual Percentage Rates. We will generally apply payments up to the amount of your 
Monthly Minimum Payment in a manner most favorable or convenient for us. 
For each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, we will 
apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your interest charge for any Billing Cycle will include the following components, the total of which 
constitutes your total interest charge for the Billing Cycle:

1.  A Cash Advance Transaction Fee interest charge imposed on each Cash Advance transaction 
posted during a Billing Cycle, in an amount equal to the greater of $5 or 5% of the amount of 
each Cash Advance. Any unpaid Cash Advance Transaction Fee interest charges will be added 
to the calculation of your Average Daily Balance of Cash Advances. We will not charge any 
Cash Advance Transaction Fees, however, during the one-year period beginning on the date 
you open your Account. 

2.  Periodic interest charge computed by applying the applicable Monthly Periodic Rate or Rates, 
determined as provided below under Computing the Purchase and Cash Advance Balance 
Monthly Periodic Rates and Corresponding Annual Percentage Rates (APR) to:

a.  your Average Daily Balance of Cash Advances (including new Cash Advances); and
b.  your Average Daily Balance of Purchases (including new Purchases).

However, if the total of the amounts so computed is an amount less than $.50, then a minimum 
interest charge of $.50 will be imposed instead of such smaller amounts and will be treated as 
an interest charge on Purchases.

3.  A Foreign Currency Conversion Fee interest charge in an amount equal to 1% of the converted 
U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and  Purchases,  that  is 
effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue. 
Interest charges on Purchases will be imposed at the applicable Monthly Periodic Rate from the date 
each  Purchase  is  made,  and  will  continue  to  accrue  on  unpaid  balances  as  long  as  they  remain 
unpaid. However, we do not assess interest charges in the following circumstances: 

1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment Due 
Date during the previous Billing Cycle, or if that New Balance was $0 or a credit balance, then:
a.  if you pay the New Balance on your current Statement in full by the Payment Due Date in 
your current Billing Cycle, we will not assess interest charges on Purchases during your 
current Billing Cycle; and

b.  if you make a payment that is less than the New Balance by the Payment Due Date in 
your current Billing Cycle, we will credit that payment as of the first day in your current 
Billing Cycle.

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay 
that New Balance by the Payment Due Date during that previous Billing Cycle, then we will not 
assess interest charges on any Purchases during the current Billing Cycle if you pay the New 
Balance at the beginning of your current Billing Cycle by the Payment Due Date in your current 
Billing Cycle.

Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate 
from the date each Cash Advance is made and will continue to accrue on unpaid balances as long as 
they remain unpaid. There is no grace period on Cash Advances and there is no period within which 
to pay to avoid interest charges on Cash Advances. 

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges 
Average Daily Balance of Purchases (including new Purchases): To get the Average Daily Balance 
of Purchases, we take the beginning Purchase balance of your Account each day, including unpaid 
interest charges on Purchases and Foreign Currency Conversion Fee interest charges on Purchases, 
add  any  new  Purchases  as  of  the  date  of  transaction,  and  subtract  the  applicable  portion  of  any 
payments and credits as of the transaction date. On the first day of a Billing Cycle, we also add any 
unpaid Late Payment Fees, and Overlimit Fees. We add all other unpaid fees (including Annual Fees, 
Returned Payment Fees, and Foreign Currency Conversion Fees ) to the Purchase balance on the day 
the fee is posted to your Account. This gives us the daily balance for Purchases. Then we add all these 
daily balances for the Billing Cycle together and divide the total by the number of days in the Billing 
Cycle. This gives us the Average Daily Balance of Purchases.
Average Daily Balance of Cash Advances (including new Cash Advances): To get the Average Daily 
Balance of Cash Advances, we take the beginning Cash Advance balance of your Account each day, 
including unpaid interest charges on Cash Advances and Foreign Currency Conversion Fee interest 
charges on Cash Advances, add any new Cash Advances as of the date of transaction, add the Cash 
Advance Transaction Fee interest charge on any Cash Advances as of the transaction date of each 
Cash Advance, and subtract the applicable portion of any payments and credits as of the transaction 
date. This gives us the daily balance for Cash Advances. Then we add all these daily balances for the 
Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives us the 
Average Daily Balance of Cash Advances. 

Computing the Purchase and Cash Advance Balance Monthly Periodic Rates and Corresponding 
Annual Percentage Rates (APR) 
Monthly Periodic Rates: The Monthly Periodic Rate is calculated by dividing the APR by 12. The 
standard Purchase APR is 23.9% and the standard Monthly Periodic Rate for Purchases is 1.9916%. 
The standard Purchase APR and Monthly Periodic Rate will apply to Purchases unless the penalty APR 
and Monthly Periodic Rate apply, as described in the next paragraph.
The APR and Monthly Periodic Rate for Purchases will increase if we do not receive any Monthly 
Minimum Payment within 60 days of the date and time due. In such circumstance, the penalty APR 
and  Monthly  Periodic  Rate  will  apply  to  your  Purchases,  including  new  Purchases  and  existing 
Purchase balances. The penalty Purchase APR is 29.9% and the penalty Monthly Periodic Rate for 
Purchases is 2.4916%. If we receive six consecutive Monthly Minimum Payments when due, then, 
starting with the next Billing Cycle, the penalty APR will no longer apply and the standard APR will 
apply to all Purchases. Otherwise, the penalty rate may continue to apply to your Account indefinitely. 
The Cash Advance APR is 29.9% and the Monthly Periodic Rate for Cash Advances is 2.4916%. 

OTHER FEES 

In addition to interest charges, a variety of fees may be applied to your Account, as set forth below. 

Annual Fee. 
We will charge an initial Annual Fee of $0 to your Account on or about the date your Account is opened 
and then a renewal Annual Fee of $0 on or about each anniversary of that date. The initial Annual 
Fee is nonrefundable; the renewal Annual Fee is also nonrefundable unless you notify us to cancel 
your Account within 30 days from the mailing date of the billing Statement or other communication 
containing the renewal Annual Fee notice. 

Late Payment Fee. 
If we do not receive your Monthly Minimum Payment by the Closing Date of the Billing Cycle in which 
the Payment Due Date occurs and the amount past due on your Account is more than $9.99, we will 
charge a Late Payment Fee to your Account. The Late Payment Fee is $27 if you were not charged a 
Late Payment Fee during any of the prior six Billing Cycles. Otherwise, the Late Payment Fee is $38. 
The Late Payment Fee will never exceed the amount of your most recently required Monthly Minimum 
Payment. 

Minimum Interest Charge Fee. 
If  the  periodic  interest  charge  amounts  computed  in  the  How  Interest  Charges  Are  Determined 
section are an amount less than $.50, then a Minimum Interest Charge Fee of $.50 will be charged 
instead of such smaller amounts and will be treated as a fee on your billing statement and added to 
your Purchases at our discretion. 

Returned Payment Fee. 
If any payment on your Account is returned to us unpaid for any reason, we will charge a Returned 
Payment Fee to your Account. The Returned Payment Fee is $27 if you were not charged a Returned 
Payment Fee during any of the prior six Billing Cycles. Otherwise, the Returned Payment Fee is $38. 
The  Returned  Payment  Fee  will  never  exceed  the  amount  of  your  most  recently  required  Monthly 
Minimum Payment. 

Overlimit Fee. 
If you elected to have overlimit coverage, we may charge an Overlimit Fee when a transaction causes 
you to go over or remain over your Credit Limit during any Billing Cycle. We may also charge you 
two additional Overlimit Fees if your New Balance remains over your Credit Limit as of the Payment 
Due Date in future Billing Cycles. We will only charge you one Overlimit Fee per Billing Cycle, even if 
you go over your Credit Limit multiple times in the same Billing Cycle. The Overlimit Fee is $27 if you 
were not charged an Overlimit Fee during any of the prior six Billing Cycles. Otherwise, the Overlimit 
Fee is $38. The Overlimit Fee will never exceed the maximum amount you are over your Credit Limit 
during the Billing Cycle. 

Documentation Fee. 
You may request a copy of a Statement previously sent to you for a Documentation Fee of $3 per 
Statement, which will be applied to your Account. Copies of sales tickets or other items posted to your 
Account may be obtained for a Documentation Fee of $10 per sales ticket or other item, which will be 
applied to your Account. Notwithstanding the foregoing, we will not impose any fee in connection with 
a good faith assertion of a billing error or other exercise of your Billing Rights (see below under “Your 
Billing Rights - Keep This Notice for Future Use”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions of this section 
apply to Covered Borrowers. If you would like more information about whether you are a Covered 
Borrower, you may contact us at 1-866-946-9545. 

Statement of MAPR. 
Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the 
Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate 
must include, as applicable to the credit transaction or account: (1) the costs associated with credit 
insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; 
(3) any application fee charged (other than certain application fees for specified credit transactions 
or accounts); and (4) any participation fee charged (other than certain participation fees for a credit 
card account). 

Oral Disclosures. 
In order to hear important disclosures and payment information about this Agreement, you may call 
1-866-875-5929. 

Applicability of Arbitration of Disputes Provision. 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to Covered Borrowers. 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your 
Card is lost or stolen or if someone else might be using it without your permission, you must tell 
us at once. You may tell us by calling the telephone number on the back of your Card or on your 
Statement or by writing us at the address on your Statement. You will not be responsible for the 
charges made to your Account that are found by us to be unauthorized. If we reimburse your Account 
for unauthorized charges made using your Card or Account, you will help us investigate, pursue, and 
get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and 
are acceptable to us. 

. . . CONTINUED ON REVERSE

OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording; Communications. 
You consent and agree that, except as restricted by applicable law, we may monitor and/or record 
telephone calls regarding your Account, suppress caller identification services and use an automated 
dialing and announcing system. If you provide us with a cellular phone number either as part of your 
application, or at any time thereafter, including, without limitation, after your Account is in a default 
status, you are expressly consenting that we and our agents may (i) contact you at that number 
including by text message, and (ii) use automated telephone dialing systems to initiate such contacts 
and/or leave recorded messages.
If you provide us at any time with an email contact for your Account, you agree we may use that 
email address to contact you about your Account and may send you information about products and 
services related to your Account.
We or our representatives may contact you from time to time regarding the Account, or to ask for 
additional information about you or your experience with us. You agree that such contacts are not 
unsolicited  and  may  include  contacts  at  your  home  or  place  of  employment,  during  weekdays, 
weekends or holidays, on your mobile telephone, voicemail or answering machine, or by email, fax, 
recorded message, text message or personal visit. 

Merchant Refunds. 
If a merchant agrees to give you a refund for goods or services purchased with your Card or Account, 
you will accept a credit on your Account instead of a cash refund. We do not control when a merchant 
sends us your refund and we will have reasonable amount of time after we receive your refund to 
process it. 

No Waiver of Rights; Disputed Amounts. 
We can accept late or partial payments without losing any of our rights under this Agreement. 
You agree not to send us partial payments marked “paid in full,” “without recourse,” or similar 
language. If you send such a payment, we may accept it without losing any of our rights under 
this Agreement. All written communications concerning disputed amounts, including any check 
or other payment instrument that indicated that the payment constitutes “payment in full” of the 
amount owed or that is tendered with other conditions or limitations or as full satisfaction of a 
disputed amount, must be mailed or delivered to Bankcard Services, P.O. Box 4499, Beaverton, 
Oregon 97076. 

Credit Reports and Information. 
You authorize us to make or have made any credit, employment, or other investigative inquiries we 
deem appropriate to extend you credit or collect amounts owed to us on your Account. We (including 
any assignee of the Account or amounts owing under the Account) may also obtain information about 
you from credit reporting agencies or others at any time and use it for the purposes of monitoring 
your credit performance, managing your Account and considering you for new offers and programs. 

Notice of Inaccurate Information. 
If you believe that we have information about you that is inaccurate or that we have reported or may 
report to a credit reporting agency information about you that is inaccurate, please notify us of the 
specific information that you believe is inaccurate by writing to us at Bankcard Services, P.O. Box 
4499, Beaverton, OR 97076. 

Default and Collection. 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you fail to 
make the required Monthly Minimum Payment on or before the Payment Due Date, including if your 
payment is returned or cannot be processed and you do not correct that failure within 31 days, (2) 
you try to exceed or do exceed your Credit Limit without permission and do not bring your Account 
back under your Credit Limit within 31 days, (3) you become subject to bankruptcy or insolvency 
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give us any 
false information or signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. 
Our accepting a late or partial payment does not waive default. Default on this Account will constitute 
default on all accounts you hold with us. Subject to any notice of default and right to cure or other 
restrictions of applicable law, if you are in default, we may declare the entire balance due immediately. 
You agree to pay our reasonable costs and attorneys’ fees and expenses related to the collection of 
your Account, and retrieving your Card, to the extent permitted by applicable laws. 

Change of Terms. 
Subject  to  the  limitations  of  applicable  law,  we  may,  at  any  time,  change  or  remove  any  of 
the terms and conditions of, or add new terms or conditions to, this Agreement. If required by 
applicable law, we will mail written notice of such a change to you in the manner required by 
such law. As of the effective date, the changed or new terms will apply to new Purchases and 
Cash Advances and also to the outstanding balance of your Account, subject to the limitations of 
applicable law. 

Delay in Enforcement. 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card. 
As the Cardholder(s), you are liable for all credit obtained under your Account. If you authorize another 
person to use your Card, you are liable for any credit obtained on your Account for as long as that 
person holds the Card. In addition, you will remain liable until you recover possession of the Card. 
Misuse of your Card by an authorized person will not be considered unauthorized use. See “Lost 
Cards and Unauthorized Use” above. Upon demand, you must immediately return any Card we supply 
to you or destroy the Card by cutting it in half. 

Authorized Users. 
If you ask us to issue a Card to any other person and we agree, they are an Authorized User. We may 
require certain information about an Authorized User. We may also discuss your Account with an 
Authorized User and provide them with Account information. You will be responsible for the Authorized 
User’s use of the Card and Account as well as anyone else they allow to use your Card or Account. 
This will be true even if you did not want, or agree to, the use. 

Removing an Authorized User. 
If you want to remove an Authorized User from your Account, you must contact us and request their 
removal. We will have a reasonable amount of time after we receive your request to remove them. You 
also must immediately destroy all Cards in their possession and cancel all of their billing arrangements 
to the Account. We will not do this for you. During this time, you still will be responsible for all amounts 
they, or another person they authorize to use the Card, charge to the Account. You will be responsible 
even if these amounts do not appear on your Account until later.
An Authorized User may remove themselves from the Account upon their request. We reserve the right 
to remove them from your Account for any reason. To remove them from your Account, we may close 
your existing Account and issue a new Card with a new Account number. 

Transactions. 
You will retain for Statement verification your copy of each Purchase slip, Cash Advance or other 
transaction to your Account. 

Transfer of Your Account. 
You may not transfer your Account to any other person. We may assign your Account or amounts 
owing under your Account to any other person at any time and the assignee will take our place under 
the Agreement with respect to all agreements and interests transferred. You must pay the assignee and 
otherwise perform your obligations under the assigned agreements and interests. 

Closing or Suspending Your Account. 
We may close or suspend your Account or your ability to obtain credit on your Account, or both, at 
any time, for any reason permitted by law and with or without advance notice.
You may close your Account at any time by contacting us. The closure of Account will not become 
effective until you have returned to us all of the Cards we have given you. If you have a joint Account 
and want to remove one of the names from the Account, we must receive a written request signed 
by both of the Cardholders on the Account and all Cards must be returned upon request. No party 
is  released  from  the  obligation  for  the  balance  owing  on  a  joint  Account,  unless  we  agree  to  the 
arrangements in writing. You may have to reapply for a new Card for an individual Account when you 
request a change from a joint Account to an individual Account.
If your Account is closed or suspended for any reason, you must stop using your Card. You must also 
cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently 
suspend your Account, you must also return all Cards to us. You must still pay us all amounts you owe 
on the Account, even if they are charged after your Account is closed or suspended. 

Additional Benefits and Services. 
From time to time, we may offer you benefits and services with your Account. These benefits and 
services may be provided by us or third parties. Unless expressly made a part of this Agreement, 
and except as provided in the Arbitration of Disputes section below, any such benefits and services 
are not a part of this Agreement, and are subject only to the terms and conditions outlined in the 
benefits or services brochure and other official documents provided to you with respect to the benefits 
and services. We may adjust, add, or delete benefits or services at any time in accordance with the 
brochures  or  documents  you  receive.  Except  as  required  by  applicable  law,  we  are  not  liable  for 
benefits or services provided by third parties or the actions or omissions of those third parties. 

Foreign Currency Conversion. 
Payment must be made in U.S. Dollars for charges you incur in any other currency. If you effect a 
transaction with your Card in a currency other than U.S. Dollars, Mastercard International Incorporated 
(“Mastercard”) will convert the charge into a U.S. Dollar amount. Mastercard will act in accordance 
with its operating regulations or conversion procedures in effect at the time that the transaction is 
processed. Currently, the currency conversion rate used by Mastercard to determine the transaction 
amount in U.S. Dollars for such transactions is generally either a government mandated rate or a 
wholesale  rate  determined  by  Mastercard  for  the  processing  cycle  in  which  the  transaction  is 
processed. The currency conversion rate used by Mastercard on the processing date may differ from 
the rate that would have been used on the Purchase date or monthly Statement posting date. We will 
also assess a Foreign Currency Conversion Fee interest charge as described in the “How Interest 
Charges are Determined” section. 

Honoring Your Card. 
We are not responsible if anyone refuses to accept your Card or Account for any reason. Although you 
may have credit available, we may decline any transaction for any reason. We are not liable for any 
refusal to honor your Card or Account. 
From  time  to  time,  due  to  circumstances  beyond  our  control  (such  as  system  failures,  natural 
disasters, or other unpredictable events), our services may not be available. When this happens, you 
may be unable to use your Card or obtain information about your Account. We will not be responsible 
or liable if this happens. 

Change of Address, Employment and Telephone. 
We will send all written notices and Statements to your address as it appears on our records. To avoid 
delays and missed payments that could affect your credit standing, you agree to promptly advise us if 
you change your mailing address, place of employment, or telephone number. 

Severability. 
In the event that any provision of this Agreement is determined to be invalid or unenforceable for any 
reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation. 
This Agreement (including other documents incorporated herein by reference) constitutes the final 
expression of the credit agreement between you and us relating to your Account. The headings used 
in this Agreement are for the convenience of reference only and are not intended to define or describe 
the scope or intent of any portion of the Agreement. 

Governing Law. 
Except  as  expressly  set  forth  in  the  Arbitration  of  Disputes  section,  this  Agreement  and  the 
interpretation and enforcement thereof (including but not limited to the exportation of interest 
rates) will be governed by Federal law that applies to us, and to the extent not preempted by 
Federal law, the laws of the State of Utah, without regard to its conflicts of law provisions and 
principles.  If there is any conflict between any of the terms and conditions of this Agreement 
and applicable Federal or State law, this Agreement will be considered changed to the extent 
necessary to comply with the applicable law. 

Arbitration of Disputes. 
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU SEND US 
THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION WILL APPLY TO YOUR ACCOUNT, 
AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. 
THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) 
YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS 
INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. THIS ARBITRATION 
OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF THE DATE OF THIS AGREEMENT, 
YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED 
TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION OF 
THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE MORE INFORMATION 
ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING 
ACT, YOU MAY CONTACT US AT 1-866-946-9545. This provision replaces any existing arbitration 
provision with us and will stay in force no matter what happens to your Account, including the closing 
of your Account. 
Except as expressly provided below, you and we must arbitrate individually, by binding arbitration 
under the Federal Arbitration Act (“FAA”), any dispute or claim between you and any joint cardholder 
on the one hand, and us, our affiliates and agents, on the other hand, if the dispute or claim arises 
out of or is related to (a) this Agreement (including without limitation, any dispute over the validity 
of this Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) any 
relationship  resulting  from  this  Agreement,  or  (d)  any  insurance  or  other  service  related  to  your 
Account, or (e) any other agreement related to your Account (including prior agreements) or any 
such service, or (f) breach of this Agreement or any other such agreement, whether based on statute, 
contract, tort or any other legal theory (any “Claim”). However, we will not require you to arbitrate: (1) 
any individual Claims in small claims court or your state’s equivalent court, so long as it remains an 
individual case in that court; or (2) any Claim by us that only involves our effort to collect money you 
owe us. However, if you respond to a collection lawsuit by claiming that we engaged in wrongdoing, 
we may require you to arbitrate.
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS 
AGAINST US ON BEHALF OF ANY CARDHOLDER WHO IS NOT A JOINT CARDHOLDER WITH YOU 
ON YOUR ACCOUNT (AN “UNRELATED CARDHOLDER”), AND YOU AGREE THAT NO UNRELATED 
CARDHOLDER MAY BRING ANY CLAIMS AGAINST US ON YOUR BEHALF. CLAIMS BY YOU AND AN 
UNRELATED CARDHOLDER MAY NOT BE JOINED IN A SINGLE ARBITRATION. THE ARBITRATOR 
WILL  NOT  HAVE  THE  POWER  TO  CONSIDER  SUCH  CLASS,  REPRESENTATIVE  OR  PRIVATE 
ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED 
CARDHOLDER.
Judgment  on  the  arbitration  award  may  be  entered  in  any  court  having  jurisdiction.  Any  dispute 
regarding whether a particular controversy is subject to arbitration will be decided by a court and 
not by an arbitrator. If any part of the damages or other relief requested is not expressly stated as a 
dollar amount, the controversy will be a Claim that is subject to arbitration. You and we acknowledge 
and agree that the transactions contemplated by this Agreement, and any controversy that may arise 
under or relate to this Agreement, your Account, or the services or other agreements described above, 
involve “commerce” as that term is defined and used in the FAA.
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The 
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Bankcard Services, Attn: Arbitration Demand, P.O. Box 4477, 
Beaverton, Oregon 97076, and our notice must be sent to the most recent address for you in our files. 
The arbitration will be administered by the American Arbitration Association (the “AAA”) under its rules 
in effect at the time an arbitration is commenced that are applicable to the resolution of consumer 
disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and how to get a copy of 
the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules permit you 
to request deferral or reduction of the administrative fees of arbitration if paying them would cause 
you a hardship. In addition, if you ask us in writing, we will consider your request to pay any or all of 
your costs of arbitration.
Each  arbitrator  shall  be  a  licensed  attorney  who  has  been  engaged  in  the  private  practice  of  law 
continuously during the ten years immediately preceding the arbitration or a retired judge of a court 
of general or appellate jurisdiction. The arbitration award shall award only such relief as a court of 
competent jurisdiction could properly award under applicable law, including attorneys’ fees if allowed 
by  applicable  law  or  agreement,  and  may  award  to  the  prevailing  party  all  pre-  and  post-award 
expenses of arbitration. All statutes of limitation, defenses, and attorney-client and other privileges 
that would apply in a court proceeding will apply in the arbitration. The filing of a demand for arbitration 
in accordance with the Arbitration Rules will be deemed the commencement of an action for purposes 
of any applicable statute of limitations.
This Agreement does not limit the right of you or us whether before, during or after the pendency of 
any arbitration proceeding, to exercise self-help remedies such as set-off or repossession and sale 
of collateral, or to obtain provisional or ancillary remedies or injunctive or other traditionally equitable 
relief (other than a stay of arbitration) necessary to protect the rights or property of the party seeking 
relief pending the arbitrator’s determination of the merits of the Claim. The taking of any of the actions 
described in the preceding sentence by either party or the filing of a court action by a party shall not 
be deemed to be a waiver of the right to demand arbitration of any Claim asserted as a counterclaim 
or the like in response to any such action. This Agreement to arbitrate disputes will survive the closing 
of your Account and the termination of your Agreement with us.
If any provision of this Section regarding arbitration of disputes shall be deemed to be unenforceable, 
the remainder of this Section shall be given full force and effect. However, if the provision precluding 
class, representative or private attorney general Claims in arbitration is deemed unenforceable, then 
this entire Arbitration Agreement shall be void and of no force and effect.
You may reject this provision, in which case only a court may be used to resolve any dispute or claim. 
Rejection will not affect any other aspect of the Cardholder Agreement. To reject this Provision, you 
must send us a notice within 60 days after you open your Account or we first provide you with a right 
to reject this Provision. This notice must include your name, address and Account number and be 
mailed to Bankcard Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. 
This is the only way you can reject this Provision. 

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 Think You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Bankcard Services, P.O. Box 
4499, Beaverton, OR 97076-4499. 
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 three (3) business days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required 
to investigate any potential errors, and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also 

tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why 

we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your Statement, and we may continue to charge you 

interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of 

your balance. 

•  We can apply any unpaid amount against your Credit Limit. 
After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest or other 

fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, along 
with applicable interest and fees. We will then 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 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 Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499. 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. 

The Card issuer: 
Celtic Bank
Salt Lake City, Utah

F03-W535-7 -0817

JOB SPECS:
Flat Size:
8.25” x 10” 

Finished Size: 
8.25” x 3.75” 

Colors:  

Front: Black
Back: None 

Bleed: No 

Note: None 

Indigo Platinum MasterCard Account 
Celtic Bank 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 
APR for Cash Advances 

23.9% 

29.9% 

Penalty APR and When It 
Applies 

29.9% 

This APR may be applied to your account if you: 

1. Make a late payment.

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Set Up and Maintenance Fees 

1
-
0
4
5
W
-
3
0
F

How Long Will the Penalty Rate Apply?  If your APR is increased for the 
above reason, the Penalty APR may apply to your account indeﬁnitely. 
Your due date is at least 25 days after the close of each billing cycle.  We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on cash advances 
on the transaction date. 
If you are charged interest, the charge will be no less than $.50. 
To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerﬁnance.gov/learnmore. 

NOTICE:  Some of these set up and maintenance fees will be assessed before 
you begin using your card and will reduce the amount of credit you initially 
have available.  Based on your initial credit limit of $300, your initial 
available credit will be only about $300. 

You may 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 this plan, you 
are not responsible for any fees or charges. 

• Annual Fee
Transaction Fees 

$0 the ﬁrst year; $0 thereafter 

•

•

Cash Advance Fee

$0 during the ﬁrst year; after the ﬁrst year, either  $5 or 5% of the amount of 
each transaction, whichever is greater (not to exceed $100) 

Foreign Transaction Fee

1% of each transaction 

Penalty Fees 

•

Late Payment Fee

• Overlimit Fee

• Returned Payment Fee

Up to $38 

Up to $38 

Up to $38 

How We Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”.  See 
your Cardholder Agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your Cardholder Agreement.