make   inquiries  pertaining  to  Your   employment,  credit 
standing  and   financial  responsibility  in  accordance  with 
applicable laws  and  regulations. 

You  further agree  that We  may  give  information about the 
status and  payment history of  Your  Account to consumer 
credit  reporting  agencies,    a  prospective  employer  or 
insurer,   or  a  state  or  federal  licensing  agency  having  an 
apparent legitimate business  need  for such  information. 

TERMINATION.   Either    You    or    We    may    cancel    Your 
Account,  at  any  time,   whether  or  not   You  are  in  default 
You   will,   in   any   case,   remain  liable   to  pay   any   unpaid 
balances according  to the terms of Your  Account. 

GOVERNING  LAW.    This  Agreement  is  controlled  and 
governed  by  the  laws  of  the  State  of  Ohio   except to  the 
extent  that  such   laws   are   inconsistent  with  controlling 
federal law. 

OWNERSHIP.  Your   Card   remains   Our   property  and   may 
be   cancelled  by   Us   at  any   time    without   notice.  You 
agree   to  surrender Your   Card  and  to  discontinue its  use 
immediately upon  Our  request. 

ISSUANCE  OF   A  PERSONAL  IDENTIFICATION  NUMBER. 
We  will  issue,  upon  Your  request, a Personal  Identification 
Number   (PIN)   for    use   with   participating   Automated 
Teller    Machines    (ATMs).   This   PIN   is   confidential   and 
should  not   be   disclosed to  anyone.   You   may   use  Your 
PIN  to  access   Your   Account  and   all  sums  advanced  will 
be   added to  Your   Account  balance.   In  the  event  a  use 
of  Your   PIN  constitutes  an  Electronic  Fund   Transfer,  the 
terms  and   conditions  of  Your   Electronic  Fund   Transfer 
Agreement may  also  afect Your  rights. 

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash 
advance, credit  or   other  slips   You   may   sign   or   receive 
when   using   Your   Card   contain  terms,  this   Agreement 
is  the   contract  which  solely   applies to  all   transactions 
involving the Card. 

UNAUTHORIZED    USE.    You    may    be    liable    for    the 
unauthorized  use  of Your   Card,  You  will   not be  liable   for 
the  unauthorized  use  that  occurs after  You   notify  Us  of 
the  loss,  theft,  or   possible  unauthorized  use  by   calling 
Us at (866) 757-  2720  or  by  writing to Us at P.O. Box  9215, 
Old   Bethpage.  NY  11804.  In  any   case,  Your   liability  will 
not exceed $50. 

REFUSAL    TO    HONOR    CARDS    OR    CONVENIENCE 
CHECKS.  We  are  not   liable   for   the  refusal   or  inability  of 
merchants,  financial institutions  and  others to  accept the 
Cards   or  Convenience  Checks,  or  electronic  terminals  to 
honor the Cards  or  complete a Card  withdrawal, or  for  their 
retention of the Cards  or  Convenience Checks. 

FOREIGN  TRANSACTIONS.  For   transactions  initiated  in 
foreign  countries  and   foreign  currencies,  the  exchange 
rate  between  the  transaction  currency  and 
the  billing 
currency (U.S. dollars) will  be:  (a) a rate selected by  VISA 
from  the  range   of  rates  available  in  wholesale  currency 
markets for  the  applicable central processing date, which 

rate may  vary  from the rate VISA  itself receives;  or  (b) the 
government  mandated  rate  in  efect  for  the  applicable 
central  processing  date.  In  each   instance,  plus   1.00%  of 
the settlement amount. 

GAMING      AND      WAGERING    TRANSACTIONS.    This 
Account  is  not   to  be  used   for  any   gaming  or  wagering 
transactions,   including   transactions   for   casino    chips, 
bets,   wagers,  lnternet  gambling  or  any  other  gaming  or 
wagering  transaction.  We  will    decline  transactions  for 
casino    chips,    bets,   wagers,  lnternet   gambling   or   any 
other gaming or  wagering transaction. 

TRANSACTION    SLIPS.     Your    monthly   statement    will 
identify  that  merchant, electronic  terminal  or   Financial 
Institution  at  which  transactions  were   made,   but  sales, 
cash  advances, credit  or  other  slips   cannot  be  returned 
with the statement. 

LOST    CARDS   OR    CONVENIENCE   CHECKS.   To   report 
lost   or  stolen  Credit  Cards   or  Convenience  Checks,   You 
will  immediately  call  Us  at (866)  757-2720  or  write to Us 
at P.O. Box  9215, Old  Bethpage, NY  11804. 

CREDITS.   If   a   merchant  who    honors  Your   Card   gives 
You  credit for   returns  or  adjustments,  they  will   do  so  by 
sending Us a Slip  which will  be  posted to Your  Account. If 
Your  credits and  payments  exceed what  You  owe  Us, We 
will   apply  this   credit  against  any   future  purchases  and 
cash  advances that You  may  make.  If  the  credit is $1.00 or 
more,   We  will   refund it  within seven  business   days   from 
receipt of Your  written request. For  any  credit  balance of 
$1.00  or  more   remaining  in  Your   account for  more   than 
six  months, We  will  refund  the  credit to  You  by  check   or 
credit to a deposit account that You  have  with Us. 

YOUR  BILLING  RIGHTS 
KEEP  THIS  NOTICE  FOR   FUTURE  USE 

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

NOTIFY    US    IN    CASE    OF    ERRORS   OR    QUESTIONS 
ABOUT  YOUR  STATEMENT. 

If  You  think Your  statement is  wrong, or  if You  need  more 
information about a  transaction on  Your  Statement,  write 
to Us  on  separate  sheet,  at P.O.  Box  9215, Old  Bethpage. 
NY  11804. Write to Us  as  soon  as  possible. We  must   hear 
from You  no  later than 60  days  after We  sent You  the  first 
statement  on  which  the   error   or  problem  appeared. You 
can   telephone  Us,  but   doing  so  will   not   preserve  Your 
rights. 

In  Your  letter, give  Us the following information: 

-   Your  Name  and  Account number. 

If  You  have  authorized  Us  to  pay   Your   bill   automatically 
from Your  savings   or  checking account, You  can  stop   the 
payment  on  any  amount  You  think is  wrong.  To  stop   the 
payment,  Your   letter must   reach   Us  three  business   days 
before the  automatic payment is  scheduled to occur. 

YOUR  RIGHTS   AND  OUR  RESPONSIBILITIES  AFTER  WE 
RECEIVE   YOUR  WRITTEN  NOTICE. 

We  must   acknowledge  Your   letter within 30  days,  unless 
We  have  corrected the error by  then.  Within 90 days,  We 
must   either  correct  the  error   or  explain  why   We  believe 
the  statement is  correct. After We  receive Your  letter, We 
cannot try  to  collect any  amount  You  question,  or  report 
You   as  delinquent.  We   can   continue to  bill   You   for  the 
amount You  question, including  Interest Charges,  and  We 
can  apply  any  unpaid  amount  against  Your   Credit  Limit. 
You  do  not have  to pay  any  questioned amount while  We 
are  investigating,  but   You   are  still  obligated to  pay   the 
parts  of Your  statement that are  not  in  question. 

If  We   find  that  We   made   a  mistake  on  Your   statement, 
You  will   not   have  to pay   any  Interest  Charges   related  to 
any   questioned  amount.  If   We   didn’t  make   a  mistake, 
You  may  have  to pay  Interest  Charges,  and  You  will  have 
to  make   up   any   missed   payments  on   the  questioned 
amount,  In  either  case,  We  will   send  You  a  statement  of 
the  amount You  owe  and  the date that it is  due. 

If    you    fail   to   pay    the    amount   that   We    think   you 
owe,    we  may    report  as  delinquent.  However,  if  our 
explanation  does   not   satisfy  You   and   You   write  to  Us 
within  10  days   telling  us  that  you   still  refuse   to  pay,  We 
must   tell  anyone that  we  report  You  to  that You  have  a 
question about Your  bill.  And,  We  must  tell You  the  name 
of  anyone  We  reported  You  to.  We  must   tell  anyone We 
report  You  to  that the  matter  has  been   settled  between 
Us  when   it  finally is.  If  We   don’t  follow  these   rules,  We 
can’t collect the first  $50 of  the  questioned  amount, even 
if Your  statement is correct. 

CONTACTING  YOU  ABOUT  YOUR  ACCOUNT.  If  You 
provide  a  cell   phone   number,  You   agree   that   We,   and 
Our    service    providers,   may    contact   You    using    pre- 
recorded   messages    and    automated   dialing   systems. 

SPECIAL  RULE  FOR   CREDIT   CARD   PURCHASES.  If  You 
have   a  problem with  the  quality  of  property  or  services 
that You  purchased with  a Credit Card,  and  You  have  tried 
in  good faith to  correct the   problem with  the   merchant, 
You  may  have  the  right not  to pay  the  remaining amount 
due  on  the  property or  services,  There  are  two limitations 
on  this  right: 

a.  You   must    have   made   the   purchase  In   Your   home 
state,  or,   if  not   within  Your   home   state,  Within  100 
miles  of  Your  current mailing address;  and 

-   Dollar  amount of the suspected error. 

b.  The  purchase  price    must  have  been  more    than    $50. 

-   Describe  the   error   and  explain,   if  You  can,  why   You 
believe    there     is    an    error.     If    You     need     more 
information, describe the  item You  are not  sure  about. 

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

EQUAL   CREDIT  OPPORTUNITY ACT  NOTICE 

The    federal  Equal    Credit  opportunity  Act    prohibits 
creditors  from  discriminating against credit  applicants on 
the   basis   of   race,   color,    religion,   national   origin,   sex, 
marital   status,    age    (provided   the    applicant   has   the 
capacity to  enter   into   a  binding contract);  because   all  or 
part   of   the   applicant’s  income  derives  from  any   public 
assistance   program: or  because   the  applicant has  in  good 
faith    exercised   any   right  under    the    Consumer  Credit 
Protection  Act.    The  federal  agency  that    administers 
compliance  with  this   law   concerning  this   lender   is  the 
Ofce of  the  Comptroller of  the  Currency, 400  7th  Street 
SW,  Suite  3E-218, Washington, D.C. 20219 

IMPORTANT     INFORMATION     ABOUT     PROCEDURES 
FOR    OPENING   A   NEW    ACCOUNT 

To   help   the  government fight  the   funding  of   terrorism 
and   money   laundering   activities,   Federal  law   requires 
all    financial  institutions  to  obtain,  verify,  and    record 
information  that  identifies  each   person  who   opens   an 
account. 

What  this  means   for   you:   When   you   open   an  account, 
we   will   ask  for   your   name,   address,   date  of  birth,  and 
other  information  that  will   allow   us  to  identify you.   We 
may   also   ask  to  see  a  form  of   identification  with  your 
photograph or  other identifying documents. 

IDENTIFICATION  THEFT.   To  protect our  accountholders, 
we   will   verify  the   accountholder’s  identity   during  the 
account  opening  process (as  required  by  the  U.S. Patriot 
Act)  or   at  other  times   that  we   deem   reasonable.  If  we 
are  not  able    to  form  a  reasonable  belief  as  to  the 
accountholder’s  identity,  or  if we  have  reason   to suspect 
potential  identity  theft,  we  will   notify  the  accountholder 
of  the needed information: 

(A)  At the  accountholder’s current address;  or 

(B)  By   any   other  means   of   communication  that  we 
and   the    accountholder   have   previously   agreed 
to  use.  If  you    have  any  questions  regarding  our 
procedures,  please    notify  us    by    calling  our 
customer service  center (1-866-757-2720). 

PRIVACY.    Please   refer   to  the   Nationwide  Bank   Notice 
of   Privacy  Policy   concerning  information  collection  and 
sharing,   a  copy of  which can  be  obtained on  our  website 
at    www.nationwidebank.com    or     by     calling    us    at 
877-422-6569. 

CREDIT  CARD 
Agreement and  Disclosure 

One  Nationwide Plaza 

Columbus , Ohio  43215 

BKN-0589AO.1 

G-15215 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
IS  YOUR  CREDIT  CARD  AGREEMENT  AND 

THIS 
IT 
INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  VISA  AGREEMENTS,  AND 
ANY   SPECIAL   INSTRUCTIONS   REGARDING   THE   USE 
OF    YOUR    VISA   CREDIT    CARD    AND    ANY   ACCOUNT 
ACCESS  DEVICE.    PLEASE  BE  CERTAIN  TO  READ    THIS 
AGREEMENT  CAREFULLY  AND   NOTIFY   US  AT  ONCE  IF 
ANY  PARTS ARE  UNCLEAR. 

DEFINITIONS.  In  this  card   Agreement.  The  reference  to 
“We”,  “Us”,  “Our” and  “Bank” mean  NATIONWIDE  BANK. 
The   words  ‘You’    and   “Your”  mean    each   person   who 
accepts  this  Agreement  or   uses   the  VISA   Credit  Card. 
The   words  “Card”  and   “Credit  Card”    mean   any   VISA 
Credit  Card   issued   to  You   by   Us  and   any   duplicates  or 
renewals. The  word “Account”  means  the  credit available 
to  You  under   the  terms  of this  Agreement.  Convenience 
Checks  mean  the special  Account access  devices that We 
may   provide for  Your   use  from  time   to  time.   If  this   is  a 
joint Account, read  singular pronouns in  the  plural. 

PROMISE  TO   PAY.   You,  as  the  Borrower,  under   a  Credit 
Card   Agreement  and   Disclosure,   understand  that   the 
following terms and  conditions constitute Our  Agreement 
with  You.   Your   Account  may   be   accessible through  a 
variety  of  means    which  could  include  vouchers,  checks, 
charge  slips,  convenience  checks,   Credit  Cards   and   the 
like.  Regardless  of  the  access  means,  You  promise to  pay 
Us  all  amounts charged to  Your   Account  by   You   or   by 
any   user   who   has  access   to  Your   Account,  with  actual, 
apparent  or   implied  authority  for  use  of   Your   Account, 
including  Interest  Charges    and    other  fees  or  charges 
described herein. 

USE   OF   YOUR   CARD.   You   may   use   Your   Card   to  buy 
goods and  services   in  any  place  that It  is  honored and  to 
get  cash  advances  at  participating  financial institutions. 
You   agree   not  to  use  Your   Card   for  illegal   transactions 
including,  but  not  limited  to,   advances  made    for  the 
purpose  of  gambling  and/or  wagering  where    such 
practices   are   in   violation   of   applicable  state   and/or 
federal law. 

SECURITY.   Collateral   (other  than   household  goods  or 
any   dwelling)  given   as  security for  any   other  loan   You 
may   have   with  Us  will   secure   all  amounts  You   owe   Us 
now   and   in  the   future  if  that  status  is  reflected  in  the 
“Truth-in-Lending  Disclosure” in  any  particular Agreement 
evidencing such  debt. 

LINE   OF   CREDIT   LIMITS.   You   will   be   notified  of  each 
specific Credit Limit  for  each  Credit  Card   for  which You 
are  approved. Unless  You  are  in  default, any  Credit Limits 
established for  You  will   generally  be  self-replenishing  as 
You  make  payments (except  to the  extent that  payments 
credited to  your   Account  may   not  replenish  Your   Credit 
Limit for  a  period of  10  calendar  days  following  the  date 
such   payment  is  received).  You   will   keep   Your   unpaid 
balance within  Your   Credit  Limit  set  by  Us,  and  You  will 
pay  any  amount  over   Your   Credit  Limit  on  Our  demand 

whether or  not We  authorize the  advances which  caused 
You   to  exceed Your   Credit  Limit.  Even   if  Your   unpaid 
balance  is  less  than   Your   Credit  Limit,  You   will   have   no 
credit  available during  any  time   that  any  aspect  of  Your 
Account is in  default. 

JOINT  ACCOUNTS.  Each  Borrower  will    be  responsible, 
jointly  and   severally,  for  the   repayment  of   any  amounts 
owed.   If  any  Account  access  device,   such  as  a  Personal 
Identification  Number  (PIN)  is  requested  and    approved, 
You  understand that  any  such  account  access   device(s) 
will    be   mailed   only    to  the   primary  Borrower  at  the 
address   that  We   have   on   file  for  You.   We   may   refuse 
to  follow  any    instructions  which  run    counter  to  this 
provision. 

MINIMUM  MONTHLY    PAYMENTS  (PAYMENT  SCHEDULE). 
Though  You    need    only    pay    the    Minimum  Monthly 
Payments,  You   understand that  You   have   the   right  to 
repay   at  any  time   without  penalty.  You   also  understand 
that  You   will   only   be  charged  periodic  Interest  Charges 
to  the   date   that  You   repay    Your   entire  balance.    You 
may   make   larger  payments  without  penalty.  Any   partial 
payment or  prepayment will  not  delay  Your  next  schedule 
payment. All  payments to Us  must  be  in  lawful  money of 
the United States. 

Payments made  in  excess  of  the  Total   Minimum Payment 
Due   will    be   applied  to  the   balance  with   the   highest 
Annual  Percentage  Rate  and   any   remaining  portion  to 
the  other  remaining  balances in  descending order  based 
on  the applicable  Annual Percentage Rate. Your  Payment 
Due  Date  will  remain the  same  day  of  the  month and  will 
be   at  least  25  days   from  the   close   of   the  billing  cycle. 
Any   unpaid  portion  of   the  Interest  Charge   will   be  paid 
by  subsequent  payments  and  will   not   be  added to  Your 
principal  balance.   You   understand that  any   delay   in  the 
repayment  of   Your    unpaid   balance  will   increase    Your 
periodic  Interest  Charges    and  any  acceleration  in  the 
repayment  of  Your    unpaid  balance  will    decrease  Your 
periodic Interest Charges. 

Minimum  Monthly  Payments will   be  an  amount  equal   to 
2.50% of  Your   new   unpaid  balance at  the   end   of   each 
billing  cycle,   subject  to  the   lesser   of  $50.00  or   Your 
balance,    plus   any   portion  of   the   Minimum   Payments 
shown   on  prior  statement(s)  which  remains   unpaid,  plus 
any   amount  that  exceeds Your   approved  Credit  Limit. 
You  may,  by  separate  agreement,  authorize Us  to charge 
Your    payment  directly  to  Your    savings    or    checking 
account. 

INTEREST   CHARGES.   In   the  case   of   any   transactions 
under   Your   Account,  the   balances subject  to  the  peri- 
odic    Interest  Charge    are  the  average  daily    transactions 
balances  outstanding  during  the    month  (new    and 
previous).  To  get   the  average  daily   balance,   We  take  the 
beginning  balance  of   Your   Account  each   day,   add   any 
new    purchases.   cash    advances,   insurance   premiums, 
debit  adjustments  or   other  charges  and   subtract  any 

payments,   credits   and    unpaid   Interest   Charges.    This 
gives    Us   the   daily    balance.    Then   We   add   up   all   the 
daily   balances for  the  billing  cycle   and   divide  them   by 
the   number  of   days   in   the   billing  cycle.   The   Interest 
Charge   for a  billing cycle   is  computed  by  multiplying the 
average  daily   balance subject  to  an  Interest  Charge   by 
the  Monthly Periodic Rate. You  can  avoid Interest Charges 
on   purchases  by   paying  the   full   amount  of  the   entire 
balance owed each  month within 25 days  of  Your  statement 
closing date. Otherwise, the  new  balance of purchases, and 
subsequent  purchases from  the  date  they  are  posted  to 
Your  Account, will  be  subject to an  Interest Charge.  Cash 
advances  are  always   subject to  an  Interest  Charge   from 
the  later  of  the  date  they   are  posted  to Your   Account or 
from  the   first  day   of   the   billing  cycle   in  which  the   cash 
advance is posted to Your  Account. 

VARIABLE   RATE:  Upon  the  expiration of  any  Introductory 
Rate,  all  transactions  described  in  the  Pricing  Document 
are  subject to a Variable Rate that is based  on  the  highest 
Prime   Rate  as  published  in  the   Money   Rates  section  of 
The  Wall  Street  Journal in  efect  on  the  15th  day  of  each 
month  of  each  year  (‘Index’)  plus  Our  Margin.   The  Index 
plus  the Margin   equals  the  Interest Rate. An  increase   or  a 
decrease in  the  Index  will  cause  a  corresponding increase 
or  decrease in  Your  Variable Interest Rate on  the  first day 
of   the  billing  cycle   of   the   month  immediately  following 
any  such  change in  the  index. 

An  increase  in  the  index  means  that You  will  have  a higher 
interest  Rate  and   have   a  higher  Minimum  Payment  Due. 
If  the  Wall  Street  Journal does  not  publish the U.S. Prime 
Rate, or  if  it  changes the  definition of  the  U.S. Prime  Rate, 
we  may,  at  our   sole  discretion,  substitute  another  index. 
Your  Interest  Rate  will  never   be  greater  than  24.99%  and 
will  apply to Your  remaining principal balance. 

For   the   applicable  Margin,   Index,   Monthly  Periodic  Rate 
and  corresponding  Annual  Percentage  Rate,  refer to  the 
accompanying  Pricing  Document  that We  have  enclosed 
with and  made  a part of this  Agreement. 

DEFAULT  ANNUAL   PERCENTAGE  RATE.   A  default  APR 
may  be  applied to your  account if you: 

1.   Make  a late payment 

2.  Go over  your  credit limit twice in a six-month period; 

3.  Make  a payment that is returned; or 

4.  Do  any  of  the above   on  another account that you 

have  with us. 

Should  any  of  the  above  events  occur,  the Margin,  Monthly 
Periodic   Rate   and    corresponding   Annual   Percentage 
Rate  applicable to  Your   entire  balance existing  at  that 
time   and  in  the  future  may   immediately  increase   to  the 
levels    described  in  the  accompanying  Pricing  Document 
that  We   have   enclosed  with   and   made   a  part  of   this 
Agreement.  This  Penalty  Rate  will   remain  in  efect until 

you    make    each    total   Minimum  Payment   Due   by    its 
payment due  date and  do  not  exceed your  credit limit for 
6  consecutive billing  cycles   starting with  the   first  billing 
cycle   after  the   Penalty  Rate  is  in  efect.  Once   You  have 
made   the   6  consecutive  payments  as  described  above, 
We  will   return  your   Annual  Percentage  Rate  to  its  prior 
margin. 

FEES   AND   CHARGES.  You   will   be  charged  certain  fees 
and   charges  associated  with  the   use  of  Your   Card.   For 
a  complete  list  of  those  fees refer to  the   accompanying 
Pricing Document that We  have  enclosed with  and  made 
a part   of  this  Agreement. 

OVERDRAFT  PROTECTION.  We  may  transfer  funds  in 
multiples  of  $100 (or in  such  increments as We  may  from 
time   to time   determine)  to Your   checking account  by  an 
advance on  Your  VISA  Account, subject to  this  provision, 
to clear  any  Overdraft on  Your  checking account. Whether 
or  not    such  transfers  occur  will    be  controlled  by  this 
Agreement.   In   any   event,    You    hold    Us   harmless    for 
any   and   all   liability  which  might  otherwise  arise   if  the 
transfer    does      not    occur.      Overdraft    Protection 
automatically  ceases  if  this   Agreement  is  ever   cancelled 
or  terminated or  Your  Account is in  default. 

PERIODIC   STATEMENT.   On   a   regular   basis,   You    will 
receive  a  statement  showing  all  transactions  on  Your 
Account   including   amounts  paid    and   borrowed  since 
Your   last  statement.  We   will   mail   You   a  statement  each 
month in  which there is  a  debit or  credit  balance or  when 
an  Interest  Charge   is  imposed.  We   need   not   send   You 
a  statement  if  We   feel  Your   Account  is  uncollectible  or 
if  We    have    started  collection  proceedings  against  You 
because  You  defaulted. Each  statement is deemed to be  a 
correct statement of account unless  You  establish a billing 
error pursuant to the Federal Truth-In-Lending  Act. 

GRACE  PERIOD.  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    and    balance    transfers    (balance 
transfers   may    be    subject  to   any    introductory   APR 
period) on  the on  the  transaction date. 

CREDITING   PAYMENTS   TO   YOUR    ACCOUNT.   We   will 
credit payments as of  the  date received if the  payment is: 

• For  mailed payments, received by  5 p.m.  on  a normal 
business  day  at  the  address  designated for  mailed 
payments contained in  your  billing statement 
instructions. 

• If   in  person,   received at  one   of   our   branches,  by 

4p.m.  on  a normal business  day 

• Paid   in   U.S.  dollars  by   cash,   money  order,    draft, 
check    or    other  similar    instrument  in    properly 
negotiable form  drawn on  a  U.S. financial institution, 
or   by   electronic  fund   transfer  if  Nationwide Bank 
and    the    borrower   have    so    agreed.     Only    your 

payments  sent   via  mail   must  be  either  a  check   or 
money order. 

• Sent  in  the return  envelope with  only  the  remittance 
portion  of    your      statement    included  with  the 
payment.  (Do  not    fold  the    enclosed  check    or 
remittance  portion.  Do    not  include  paper    clips, 
staples,   tape   or  other correspondence or  more   than 
one  payment in  the  envelope.) 

Payments that  do   not   meet  these  requirements,  such 
as   payments   erroneously   sent   to   other   Nationwide 
P.O.  Boxes   addresses,   will   be  credited  not  more   than  5 
business    days   after  the   date   of  receipt  and   interest 
charges  may   accrue   for  the  period  between  receipt  and 
crediting of  payments. 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE 
CHECKS.  We    are    under    no    obligation  to  honor  Your 
Convenience Checks  if: 

(1)  by   paying  a  Convenience  Check,   You   would  exceed 
Your  Credit Limit; (2)  Your  Cards  or  Convenience  Checks 
have  been  reported  lost  or  stolen;  (3)   Your   Account  has 
been  cancelled or  has expired. If  a postdated Convenience 
Check   is  paid   and,   as  a  result,   any   other  Convenience 
Check  is  returned  unpaid, We  are  not responsible for  any 
resulting loss  or  liability. 

DEFAULT.  You   will   be  in  default  if:  (a)  You  do   not  make 
any  payment  or  perform  any  obligation  under    this 
Agreement,   or    any    other   agreement   that   You    may 
have  with  Us;  or  (b)  Go  over   your   credit  limit  twice  in  a 
six-month period; or  (c) Make  a  payment that is  returned; 
or  (d) You  should die,  become involved in  any  insolvency, 
receivership   or    custodial   proceeding  brought   by    or 
against  You;  or  (e)  You  have  made   a  false  or  misleading 
statement  in  Your    credit  application  and/or  in  Your 
representations to  Us   while    You   owe   money  on   Your 
Account;  or   (f)  A   judgment  or   tax   lien   should  be   filed 
against  You   or   any   attachment  or   garnishment  should 
be    issued    against  any    of  Your    property  or    rights, 
specifically 
including  anyone  starting  an  action  or 
proceeding to seize  any  of  Your  funds on  deposit with Us: 
and/or  (g) We  should,   in  good  faith,  believe Your   ability 
to repay   Your   indebtedness  hereunder  is  or  soon   will   be 
impaired,  time   being  of   the  very   essence.   If  You   are  in 
default,  We  may,  without  prior  notice  or  demand  and  to 
the  extent permitted by  law,  cancel  Your  rights under   this 
Agreement,  declare  the  entire  unpaid  balance  of  Your 
Account  immediately  due   and   payable,  and   require  the 
return of  all  access  devices. 

COLLECTION   COSTS.   In   the    event   collection   eforts 
are  required to  obtain  payment  on  this   Account,  to  the 
extent permitted by  law,  You  agree  to pay  all  court costs, 
private  process server   fees,  investigation  fees  or   other 
costs   incurred  in   collection  and   reasonable  attorneys’ 
fees  incurred   in   the  course   of   collecting  any   amounts 
owed  under    this  Agreement  or  in  the  recovery  of  any 
collateral. 

ENFORCEMENT.  We  do  not lose  Our  rights  under   this  or 
any   related  agreement  if  We   delay   enforcing  them.  We 
can  accept  late  payments,  partial  payments or  any  other 
payments,  even   if  they are  marked “paid  in  full’  without 
losing    any  of  Our  rights  under    this  Agreement.  If  any 
provision  of  this  or  any  related  agreement  is  determined 
to be  unenforceable or  invalid, all  other  provisions remain 
in  full force and  efect. 

NOTIFICATION  OF   ADDRESS   CHANGE.  You   will   notify 
Us  promptly  if  You   move   or   otherwise  have   a  change 
of  address.    As   part  of  our   processes to   protect   our 
cardholders,  we   will   verify  all  address   change  requests 
so   that   we   may    form  a   reasonable belief  that   only 
authorized  address    changes    are   processed.  As   one   of 
our  safeguards,  we  will   not  issue  a  card   or  other  access 
device  until   we  have  successfully verified  any  requested 
address     changes.     In    accordance   with    our    policies 
and   procedures,  and   for  the  purpose  of  assessing   the 
validity  of  requested  address   change,   we  will   notify  the 
cardholder of  the address  change request: 

(A)  At the cardholder’s former address;  or 

(B)  By  any  other means  of communication that we  and 
the  cardholder have  previously agreed to use. 

If  your   address   changes,   we   have   an  incorrect  address 
for  you,  or  if  you    have  any  questions  regarding  our 
procedures,  please   notify  us   by   calling  our   customer 
service  center (1-866-757-2720). 

CHANGE  IN  TERMS.   We   may   change  the  terms  of  this 
Agreement   by    mailing   or    delivering  to   You    written 
notice  of   the   changes   as   prescribed   by    the   Federal 
Truth-In-Lending Act.  To  the  extent permitted  by  law,  the 
right to change the terms of  this Agreement includes, but 
is  not  limited  to,  the  right  to  change the  periodic  rate 
applicable  to  Your      unpaid    balance  and/or    future 
advances. If  a  Change   in  Terms   to  this  Agreement  gives 
You   the  opportunity  to  reject  the  change,    and   if  You 
reject  the   change  in  the   manner  provided  in   any   such 
Change  in  Terms,  We  may  terminate Your  right to receive 
credit  and  may   ask  You  to  return all  credit  devices as  a 
condition  of  Your   rejection.  We   may   replace  Your   card 
with  another card  at any  time. 

INTEGRATED    DOCUMENTS.    Any     separate    sheet    of 
paper,   which  is  delivered together  with  this  Agreement 
or  at  a  later  date,  becomes  an  integrated  part  of  this 
Agreement. 

CONSENT  TO  AGREEMENT.  You  acknowledge receipt  of 
a  copy  of  this  Agreement.  By  signing  the  application;  or 
by  using   Your   Account or  any  Account access  device;  or 
by  authorizing another to use  Your  Account, You  agree  to 
and  accept its  terms. 

UPDATING AND  DISCLOSING FINANCIAL INFORMATION. 
You   will   provide  facts  to  update  information  contained 
in  Your    original  Account  application  or  other  financial 
information related to You,  at Our  request. You  also  agree 
that We  may,  from time to  time,   as We  deem   necessary,