Agreement for U.S. Bank National Association U.S. Bank Patient Finance Accounts
This credit program is issued and administered by U.S. Bank National Association. This information is accurate as of September 30, 2013.
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. See the Agreement
that was provided for your Account for more detailed information, including contact information.

PRICING INFORMATION: Actual pricing will vary from one Account to another

(APR = Annual Percentage Rate)
(DPR = Daily Periodic Rate)
Annual Percentage Rates for Purchases

This APR will vary with the Market based
on the Prime Rate.

This APR will not vary with the Market
based on the Prime Rate.

Minimum Interest Charge

For Credit Card Tips from the
Consumer Financial Protection Bureau

Set Up and Maintenance Fees



Annual Fee

Account Fees
Late Fee


 Return Payment Fee

U.S. Bank National Association
P. O. Box 6352
Fargo, ND 58125

U.S. Bank Patient Finance Cardmember Agreement

Prime + 0% to Prime + 9.74%
(APR) 3.25% to 12.99%
(DPR) 0.008904% to 0.035589%
(APR) 0% to 9.89%
(DPR) 0% to 0.027096%
If you are charged interest, then the Minimum Interest Charge
will be either $0 or no less than $2.00.
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 Account and based on
your Credit Limit, your initial available credit will be less.

You may still reject this Account, provided that you have not yet
used it or paid a fee after receiving a billing statement. If you do
reject the Account, you are not responsible for any fees or
charges.
NONE

Up to $35
Up to $35

This is an accountholder agreement and disclosure statement (“Agreement”) between you and U.S. Bank National Association containing the terms that will apply to your U.S. Bank
In this Agreement, “you”, “your" and “Accountholder” mean each individual accepting a solicitation or applying for the
Patient Finance Account (“Account”) effective September 30, 2013.
“Medical Provider” means the
“We”, “us”, and “our” mean U.S. Bank National Association, your Account creditor.
Account or otherwise agreeing to be responsible for the Account.
hospital, physician group or clinic that offered you the credit application. Please read this Agreement carefully and keep it in a safe place to make the best use of this Account). The
Agreement becomes effective as soon as you or someone authorized by you uses the Account, but no later than 30 calendar days after we open the Account. This web Agreement does
not replace the Agreement that is provided with the Account.

This Agreement contains an arbitration provision (including a class action arbitration waiver). It is important that you read the entire Arbitration Provision section carefully.

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT

1. Personal Use: You may use the Account only for personal, family or household
medical expenses at Medical Provider. Federal or state consumer protection laws may
not apply if you use the Account for purposes other than personal, family or household
expenses.
In addition, we may suspend or cancel your ability to use the Account if it is
used for other purposes.

2. Purchases: You may use the Account to obtain goods or services from the Medical
Provider (“Purchases”). Medical Provider will
initiate the transaction and have final
authority to approve the Purchase posting to your Account. Even if you have not
signed a sales draft or Medical Provider has not supplied you with a written receipt or
other proof of sale, you are responsible for all Purchases made through your Account,
except as expressly limited by applicable law (see Your Billing Rights section below for
more details).

INTEREST CHARGES AND ACCOUNT FEES

3. Account INTEREST CHARGES: INTEREST CHARGES reflect the cost of credit.
Your total INTEREST CHARGE for any billing cycle will equal the amount of any (a)
periodic rate INTEREST CHARGES (sometimes referred to as "interest" in this
Agreement and on monthly Account statements); and (b) any other transaction fees
that are considered INTEREST CHARGES.

4. Interest Rate:
In this Agreement, we have abbreviated the terms “daily periodic
rate” as DPR, “average daily balance” as ADB, and “ANNUAL PERCENTAGE
RATE” as APR.
(a) Standard Interest Rates- Rate for "Purchases": The DPR for transactions posting
as Purchases is equal to 1/365th of its corresponding APR.
(b) Variable APRs are calculated by adding a margin to the Index. Your Variable DPR

is equal to 1/365th of the corresponding APR. Your DPR and corresponding APR may
increase or decrease from time to time according to the movements up or down of the
Index, which is the Prime Rate published in the "Money Rates" section of the Midwest
Edition of The Wall Street Journal on the last publication day before the date on which
the billing cycle closed (in other words,
the "statement date"). Any variable rate
adjustment based on an Index change will be effective as of the first day of the current
billing cycle, and will apply to the new and outstanding Account balances and
transactions subject to that variable rate. Any increase or decrease to the Index will
result in an increase or decrease in the INTEREST CHARGE on the Account, an
increase or decrease to your Minimum Payment, and an increase or decrease to your
New Balance. We reserve the right to choose a comparable new index if The Wall
Street Journal ceases to publish a Prime Rate. The margin is the percentage we add
to the Index to calculate the APR. The current applied Index value is 3.25%.

5. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate: We
calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying
the applicable DPR by the ADB (including new transactions) of the Purchases subject
to interest, and then adding together the resulting interest. We determine the ADB for
the Purchases by adding together the daily balances for the billing cycle and dividing
the result by the number of days in the billing cycle. We determine the daily balances
each day by taking the beginning balance of Purchases (including any billed but
unpaid interest, fees, and other charges), adding any new interest, fees, and charges,
and subtracting any payments or credits applied against your Account balances that
day. We add a Purchase to the Purchase balance on the later of the transaction date
or the first day of the statement period. Billed but unpaid interest on Purchases is
added to the Purchase balance each month on the statement date. Any billed but
unpaid fees on Purchases and other charges are added to the Purchase balance of
the Account on the date they are charged to the Account. In other words, billed and
unpaid interest, fees, and charges will be included in the ADB of your Account that
accrues interest and will reduce the amount of credit available to you. There is a
minimum INTEREST CHARGE Fee of $2.00 in any billing cycle in which an

INTEREST CHARGE is due. As described above, this Agreement provides for the
compounding of interest on your Account.

6. Paying Interest: You have a 24 to 30 day interest-free period for Purchases
provided you have paid your previous balance in full by the Payment Due Date shown
INTEREST
on your monthly Account statement.
CHARGES on Purchases, you must pay your New Balance in full by the Payment Due
Date shown on the front of your monthly Account statement.

to avoid additional

In order

7. Account Fees:

(a) We will add a Late Payment Fee of up to $35.00 to the Purchase balance of
the Account if your Minimum Payment is not received by the Payment Due Date
shown on the monthly Account statement.
(b) We will add a Returned Payment Fee of up to $35.00 to the Purchase
balance of the Account if any payment on the Account is not honored or if we
must return it to you because it cannot be processed. A check that is returned
unpaid will be sent for collection.
(c) We will add a Duplicate Documentation Fee of $5.00 to the Purchase
balance of the Account for each copy of a monthly statement, sales slip, or
refund slip that you request. There will be no charge for documentation requests
made in connection with a billing error notice, if our investigation indicates a
billing error occurred.
(d) We may add a service charge of $10.00 to the Purchase balance of the
Account if you call us to make a payment on your Account and are assisted by a
Cardmember Service Representative to make the payment. You will be provided
with confirmation of
transaction is
authorized.

the service charge before the payment

Under no circumstances will your Late Payment Fee or Returned Payment Fee ever
be greater than your Minimum Payment due.

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT

8. Credit Limit: The Account Credit Limit is the maximum amount of credit available
and that you may owe under the Account at any time. Under certain circumstances,
your Account may exceed the Credit Limit and you will be responsible for the full
amount of the Credit Limit as well as any amounts owed that exceed the Credit Limit,
including fees and INTEREST CHARGES. Credit Limit increases must be approved
by Medical Provider. The initial Credit Limit will appear on your monthly Account
statements. We reserve the right to review your Account at any time and increase or
decrease your Credit Limit. You may not increase your Credit Limit by carrying credit
balances over the Credit Limit we make available to you.

9. Payment: You must pay us in U.S. Dollars with checks or similar payment
instruments drawn on a financial institution located in the United States. We will also
accept payment in U.S. Dollars via the Internet or phone or previously established
automatic payment transaction. We may, at our option, choose to accept a payment
drawn on a foreign financial institution. However, you will be charged and agree to pay
any collection fees required in connection with such a transaction. The date you mail a
payment is different than the date we receive that payment. For purposes of this
Agreement, the payment date is the day we receive your check or money order at the
address specified on your monthly Account statement or the day we receive your
electronic or phone payment. If you mail your payment without a payment coupon or to
an incorrect address, it may result in a delayed credit to your Account, additional
INTEREST CHARGES, fees, and possible suspension of your Account.

10. Minimum Payment: Each month, you must pay at least the Minimum Payment and
any past due Minimum Payment(s) by the Payment Due Date shown on your monthly
Account statement. You may, at your option, pay more than the Minimum Payment or
pay the New Balance (as stated on your monthly Account statement) in full to reduce
or avoid the INTEREST CHARGE for the Account. Your Minimum Payment will be
calculated as follows:
first we determine the “Base Minimum Payment,” which is the
greater of $30.00 or 1% of your New Balance not including items (1) and (2) below. To
the Base Minimum Payment, we may add one or more of the following items, as
incurred on your Account: (1) any late, annual and/or any other Account related fee,
(2) the INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or
all of the balance amount over your Credit Limit. If the resulting Minimum Payment is
greater than $30.00, the total is then rounded to the next highest dollar not to exceed
your New Balance. Any Minimum Payment or additional amount you pay each month
will not prepay any future Minimum Payments required, or change your obligation to
make at least a Minimum Payment by the Payment Due Date.

11. Payment Application:
If we cannot collect on your check or other payment item
you send us to pay on your Account, we may charge interest on this amount from the
date your Account originally was credited for the payment. After a payment has been

made, we reserve the right to withhold available credit in the amount of the payment
for 7 business days. Any credit available before the payment is made will continue to
be available for use during this time.

12. Skip Payment Option: We may, at our option, occasionally offer you an opportunity
to skip your obligation to make the Minimum Payment due. You may not skip
payments unless we make this offer to you.
If we offer you an opportunity to skip a
payment more than once in a 12 month period, you will not be permitted to skip
payments required in consecutive months. You cannot accept a skip payment offer if
your Account is delinquent, or is in Default. When you take advantage of a skip
payment offer, the interest will continue to accrue on the entire unpaid balance of your
Account.

13. Change of Address: Your monthly Account statements and notices about your
Account will be sent to the address you provided in your application or your response
to our Account solicitation. To change your address, you must call or write to us. We
must receive this information 21 days before the date a billing cycle closes to provide
your monthly Account statement at your new address.

14. Authorized Users: You agree not to allow access to your Account to anyone else to
If
use your Account, except by asking us to grant Account access to another person.
you allow access to your Account information, you will be liable for any charges made
by that person, unless and except as expressly required by applicable law. You agree
to be responsible for all Account transactions made by an Accountholder, or anyone
who you have authorized by (a) asking us to grant Account access to another person;
(b) allowing Account access by another person; or (c) any other way in which you
would be legally considered to have allowed another person to use your Account or to
be legally prevented from denying that you did so. Be cautious when allowing another
person to become an authorized user of your Account; once you allow authority to any
authorized user you cannot limit that authority unless the Account is closed to future
transactions. You, as a primary or joint Accountholder and Account obligor, must call
or write us with any request to cancel and remove a person’s authority. We will not
provide any Account information to anyone other than you and any Authorized Users.
Authorized Users have no right to make any Account changes.

15. Lost or Stolen Account Information: You must notify us immediately by telephone
or in writing if there is possible unauthorized use of your Account. You may be liable
for the unauthorized use of your Account. You will not be liable for unauthorized use
that occurs after you notify us orally or in writing of the unauthorized use.
In any case,
your liability will not exceed $50.
If this happens, we have the right to close your
Account and open a new Account.

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

16. Responsibility to Pay: You agree to pay us for all Purchases,
INTEREST
CHARGES, Account Fees and charges, any other transaction charges as provided in
this Agreement and, to the extent permitted under applicable law, attorneys fees and
collection costs we incur enforcing this Agreement against you. This is the case even if
your Account is only used by one of you, or is used by someone authorized by only
one of you. If there is more than one Accountholder, each of you is responsible,
together and separately, for the full amount owed on your Account. Your obligation to
pay the Account balance continues even though an agreement, divorce decree, court
judgment, or other document to which we are not a party may direct another person
responsible to pay the Account.

17. Intent to Repay: Every time you use your Account, you represent to us that you
intend to and have the ability to repay your Account obligations. We rely on this
representation every time you use your Account.

18. Settling a Disputed Balance; Payment in Full: If you want to settle a disagreement
with us about any amount you owe by sending a check on which you have written
"Payment in Full" or similar language, you must send us a written explanation of the
disagreement or dispute and any such check to Cardmember Service. (See Your
Billing Rights section below for complete details.) This address is different than the
address you use to make Account payments. Writing “Payment in Full” or similar
language on the check will not be enough to resolve the dispute. If we collect a check
or any payment instrument marked “Payment in Full” that you sent to an address other
than the one provided in this section (such as the address at which you normally make
payments), we will not have waived our right to collect any remaining amount you owe
us under the terms of your Account.

19. Default: You and your Account will be in Default if:

(a) we do not receive the Minimum Payment by the Payment Due Date
disclosed on the monthly Account statement;
(b) you violate any other provision of this Agreement;
(c) you die without a surviving joint Accountholder;
(d) you become insolvent, assign any property to your creditors, or go into
bankruptcy or receivership;
(e) you have made false statements on your Account application or in the
maintenance of your Account;
(f) we have any reason to believe that your Account is in danger of, or is being
used for fraud;
(g) you are a married community property state resident and you or we receive a
written termination notice of this Agreement from your spouse;
(h) your Account becomes inactive;
(i) anything happens that we believe in good faith materially increases the risk
that you will not
live up to your payment and other obligations under this
Agreement; or
(j) this is a joint Account and one of you notifies us that he or she wants the
Account closed or will no longer be liable on the Account.

You and your Account will also be in Default if you go over your Credit Limit.

20. Illegal Purchases: You agree that you will not use or permit an authorized user to
use the Account for any unlawful purpose, such as funding any account that is set up
to facilitate online gambling.

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT

21. Ownership of this Account: Any Account access devices that we supply to you are
our property and must be immediately returned to us or our designated agent or
otherwise destroyed or surrendered as we instruct.

22. Changes to your Account: Account and Agreement terms are not guaranteed for
any period of time; we may change the terms of your Agreement, including APRs and
in accordance with applicable law and the terms of your Agreement. Your
fees,
transactional experience with us may also cause a change, including an increase in
the margin that is added to the Index, an increase in fees, or a decrease in the Credit
Limit. Factors considered in determining the increased rate or Credit Limit decrease
may include your general credit profile, existence, seriousness and timing of
the
defaults under any agreement that you have with us, and other indications of the
Account usage and performance. We will give you the written notice of any such
change in the manner required by law. Any Agreement changes to APRs and fees will
apply to all new Account balances you owe under your Account as of the effective date
indicated in the notice or otherwise permitted by applicable law. All other Agreement
changes will apply to all new and outstanding Account balances you owe under your
Account as of the effective date indicated in the notice or otherwise permitted by
applicable law. If the change in terms notice provides, you may choose not to accept
the changes, in which case you must provide us with written notice at the address
contained in the change in terms notice no later than 25 days after the effective date of
the change. In this case, we will close your Account and permit you to pay off the
outstanding Account balances in full at that time or under the terms of your existing
Agreement. You will have accepted any proposed change if your Account is used after
the effective date of the changed terms, even if 25 days has not elapsed after any
such effective date.

immediately, without notice,

23. Cancellation and Renewal of Your Account: We may cancel your Account or
suspend your ability to obtain Account credit
if your
Account is in Default. Even if you are not in Default, we may cancel your Account by
providing notice to you. You may cancel your Account by notifying us by telephone or
in writing.
If this is a joint Account, we will honor a request by either of you to cancel
the Account. After the Account is cancelled, you will not be able to obtain additional
Account credit, except that, (a) the Account may continue to receive recurring charges
for items and services until you contact and cancel delivery with the company
providing the item or service, or (b) under certain circumstances if you use your
Account for a transaction, the transaction may be posted to your Account. After your
Account
is cancelled, all amounts outstanding on your Account will be due and
payable without notice or demand from us. If you do not pay the amount you owe
under
this Agreement, you will be liable for our collection costs including our
reasonable attorney fees and expenses of legal actions, to the extent permitted by
applicable law. If there is no outstanding Account balance and there have been no
transactions posted within the previous 90 days, the Account will not be automatically
renewed on the expiration date.

24. Assignment of Your Account to Another Creditor: We may assign, sell or transfer
your Account and amounts owed by you to another creditor at any time. If we do, this
Agreement will still be in effect unless and until amended, and any references made in
this Agreement to “we”, “us”, or “our” will refer to the creditor to which we assigned,
sold or transferred your Account or amounts owed under your Account. You may not
delegate your obligations and responsibilities to us to any third party without our
express written consent.

OUR LEGAL RIGHTS AND OBLIGATIONS

25. Collecting Credit Information about You: You authorize us to make any credit,
employment and investigative inquiries we feel are appropriate related to giving you
credit or collecting amounts owed on your Account. You agree that a consumer credit
report may be requested periodically from one or more consumer reporting agencies
(“Credit Bureaus”) and used in connection with your application and any update,
renewal or extension of credit. We will provide information about you, your Account or
your credit history to Credit Bureaus and others who may properly receive that
information.

26. Credit Bureau Disputes: If you believe we inaccurately reported credit history
information about you or your Account to a Credit Bureau, write to us at Consumer
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO 63166-
9801.

27. Privacy Pledge and Disclosure of Account Information: A copy of our Privacy
Pledge was included with your original Agreement. You will also receive a copy at
least once annually while you remain our customer. We also keep copies of our
Privacy Pledge in financial institution offices and post it on our web site. Our Privacy

Pledge describes how we collect, protect and use confidential financial and other
information about you and the circumstances in which we might share information
about you with members of our corporate family and with unaffiliated third parties. Our
Privacy Pledge also tells you how you can (a) limit the ways we share certain kinds of
information about you and (b) request corrections to the information we maintain about
you.

28. Refusal to Honor Transactions: We and our agents are not responsible if anyone
refuses to accept your Account number, or if authorization for a particular transaction
is not given. Although you may have credit available under your Account, we may be
unable to authorize credit for a particular transaction. The number of transactions you
make in one day may be limited, and the limit per day may vary. These restrictions are
for security reasons and as a result we cannot explain the details of how this system
works. If your Account is over the Credit Limit or delinquent, authorization of credit for
transactions may be declined. We are not responsible for anything purchased with
your Account, except as expressly required by applicable law (see Your Billing Rights
section below for more details). You must return goods you purchased with the
Account to the Medical Provider and not to us.

29. Third Party Offers: From time to time, third parties may provide you with benefits
not related to the extension of Account credit. We are not liable for these features,
services and enhancements, as they are the sole responsibility of the third party
provider. We and/or a third party may add, change or delete entirely these benefits
without notice or liability to you, to the extent permitted by applicable law. You agree to
hold us harmless from any claims, actions or damages resulting from your use of any
of these features, services or enhancements, where permitted by applicable law.

30. Monitoring and Recording Communications: You understand and agree that we,
and anyone acting on our behalf, may monitor and/or record any communications
between you, or anyone acting on your behalf, and us, or anyone acting on our behalf,
for quality control and other purposes. You also understand and agree that this
monitoring or recording may be done without any further notice to you or anyone
acting on your behalf. The communications that may be monitored or recorded
include telephone calls, cellular or mobile phone calls, and any other communications
in any form.

31. Severability: If a court of competent jurisdiction finds any part of this Agreement
illegal or unenforceable, the remaining portions of the Agreement will remain in effect
as written after any such illegal or unenforceable portion is amended in conformance
with applicable law or, if necessary, voided.

32. Entire Agreement: This version of the web Agreement replaces any previous
versions of the web Agreement. The Agreement, as modified by any change in terms
we may deliver from time to time in accordance with applicable law, constitutes the
entire agreement between you and us, and supersedes any prior negotiation,
agreement, or understanding between you and us concerning the subject matter of the
Agreement.

33. Waiver: We do not give up our rights under the Agreement or applicable law when
we fail to exercise or delay exercising those rights. Our failure or delay to exercise any
right or remedy we have against you does not mean that we waive that right.

34. Arbitration Provision:
(a) You agree that either you or we can choose to have binding arbitration
resolve any claim, dispute or controversy between you and us that arises from
or relates to this Agreement or the Account and credit issued thereunder
(individually and collectively, a "Claim"). This does not apply to any Claim in
which the relief sought is within the jurisdictional limits of, and is filed in, a
small claims court. If arbitration is chosen by any party, the following will apply:
(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM
IN COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN
PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE
APPLICABLE ARBITRATION RULES.

(2) Arbitration will only decide our or your Claim, and you may not
consolidate or join the claims of other persons who may have similar
claims.
YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS
A PRIVATE ATTORNEY GENERAL, PERTAINING TO ANY CLAIM SUBJECT
TO ARBITRATION.
(3) The arbitration will be performed in accordance with this Arbitration
Provision and the rules of the chosen arbitrator in effect when the Claim is
filed.
(4) The arbitrator’s decision will generally be final and binding, except for
the limited right of appeal provided by the Federal Arbitration Act.
(5) Other rights that you would have if you went to court might also not be
available in arbitration.

(b) The party commencing the arbitration may select to use either JAMS or the
American Arbitration Association ("AAA") (or,
if neither of these arbitration
organizations will serve, then a comparable substitute arbitration organization
agreed upon by the parties or, if the parties cannot agree, chosen by a court of
competent jurisdiction).
If JAMS is selected, the arbitration will be handled
according to its Streamlined Arbitration Rules unless the Claim is for $250,000
or more, in which case its Comprehensive Arbitration Rules shall apply.
If the
AAA is selected, the arbitration will be handled according to its Commercial
Arbitration Rules. You may obtain rules and forms for JAMS by contacting
JAMS at 1-800-352-5267 or www.jamsadr.com and for the AAA by contacting the
AAA at 1-800-778-7879 or www.adr.org. Any arbitration hearing that you attend
will take place in the federal judicial district where you reside. At your request,
we will advance your filing and hearing fees for any Claim you may file against
us. If you prevail on your Claim, we will pay your arbitration costs and fees,
other than attorney, expert and witness fees and expenses. We will also pay any
fees or expenses that applicable law requires us to pay. The arbitrator shall
apply applicable substantive law consistent with the Federal Arbitration Act, 9
U.S.C. §§ 1 through 16,
including but not limited to applicable statutes of
limitation, and shall honor claims of privilege recognized at law. Judgment upon
the award rendered by the arbitrator may be entered in any court having
jurisdiction.

(c) This Arbitration Provision shall survive repayment of your extension of credit
and termination of your Account. This Arbitration Provision shall be governed
by federal law, including the Federal Arbitration Act, and by Ohio law, without
regard to its internal conflict of law principles, to the extent such state law does
not conflict with federal law or this Arbitration Provision. Notwithstanding any
language of
this
Arbitration Provision be held invalid or unenforceable by a court or other body
of competent jurisdiction, this entire Arbitration Provision shall be automatically
terminated and all other provisions of this Agreement shall remain in full force
and effect.

to the contrary, should any portion of

this Agreement

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, call or write to us.

In your letter or call, 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.

What Will Happen After We Receive Your Letter or Call:
When we receive your letter or call, we must do two things:
1.

2.

Within 30 days of receiving your letter or call, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter or call, 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
delinquent on that amount.
The charge in question may remain on your statement, and we may
continue to charge you interest on that amount.

in question, or report you as

the 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
If you receive our
as delinquent if you do not pay the amount we think you owe.
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 Purchases:
If you are dissatisfied with the goods or services that you have purchased 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.

3.

You must have used your Account for the purchase.

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.
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.

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