TRUTH-IN-LENDING DISCLOSURE STATEMENT - ACCOUNT OPENING DISCLOSURES

The following disclosure represents important details concerning your credit card. This statement is incorporated into and becomes a part of your Credit
Card Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance
with applicable law.

VISA

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Paying Interest

Introductory APR for ____________ months. After that, your Standard APR will be

This APR will vary with the market based on the Prime Rate*.

This APR will vary with the market based on the Prime Rate*.

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on
purchases if you pay your entire new purchase balance by the due date each month. We will begin
charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain your Account

- Annual Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

None

2% of the amount of each transfer (minimum: $5.00)
2% of the amount of each cash advance (minimum: $5.00)
1% of each transaction in U.S. dollars

Up to $25.00 if your payment is late _____ days or more
None
Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)", which means we calculate the
balance by adding together all new purchases and other transactions and subtracting payments and credits for each day in the billing cycle, adding these
daily balances, and dividing by the number of days in the billing cycle. See your account agreement for more details.
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

OTHER IMPORTANT DISCLOSURES:

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO
SECURE  REPAYMENT OF  CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE  THAT  WE  HAVE  SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE AND/OR
FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN
APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or
federal law if given are not subject to this security interest.
If you have other loans with us, collateral securing such loans may also secure your obligations under this agreement.

*Variable Rates: The  Annual  Percentage  Rate  may  increase  or  decrease  if  the  highest  rate  of  interest  identified  as  the  'Prime  Rate'  in  the  'Money  Rates'  column  of  the  Wall Street  Journal
increases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: __________% and then rounded to the nearest
0.010%. The interest rate can change monthly on the 25th calendar day of each month following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18.00%. Any
increase will lengthen the time it takes to payoff the loan.

Daily Periodic Rates:

Introductory Rate:

%; Purchases:

%; Cash Advances:

%; Balance Transfers:

%.

Other Fees: In addition to the fees disclosed above, the following fees may be imposed:

Document/Statement Copy Fee:
Card Replacement Fee:
Pay-by-Phone Fee:

$2.00 per page
$10.00
$10.00

Minimum Payment Requirements: The  minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds
$25.00 the minimum payment is 2.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the
entire portion of the New Balance in excess of your credit limit, plus any amount past due.

9010 LASER FPDF FI13825 Rev 7-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

0%twelve10.74-17.74%17.90%07.49-14.490.0052050.029425-0.0486030.0490410.029425-0.048603ISSUED BY:

VISA CREDIT CARD AGREEMENT

DISCLOSURES REQUIRED BY FEDERAL LAW

1. Interest Charges
a.  Calculation  Methods  -  Credit  Purchases:  _____G____;  Balance  Transfer  ____A_____;
Cash Advance: ____A_____.
b. Periodic Rates used to compute Interest Charges - Credit Purchases: ____________% per
month; Balance Transfers: ____________% per month; Cash Advances: _1.491667_% per
month.

Corresponding ANNUAL  PERCENTAGE RATES -  Credit  Purchases:    ________________%;
Balance Transfer _______________%; Cash Advance:  ___17.90___%.
The  Periodic  Rates  and  corresponding  Annual  Percentage  Rates  will  vary  with  the  market
based on the Prime Rate. The interest rates may increase or decrease if the highest rate of
interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal
increases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate
will  be  equal  to  the  Prime  Rate  plus  a  margin  of:  __________  %  for  Credit  Purchases;
__________  %  for  Balance  Transfers;  and  __________  %  for  Cash  Advances,  and  then
rounded  to  the  nearest  0.010%.  The  monthly  Periodic  Rate  will  be  equal  to  the  Annual
Percentage Rate divided by twelve. The interest rate can change monthly on the 25th calendar
day  of  each  month  following  a  change  in  the  Prime  Rate.  The Annual  Percentage  Rate  will
never be more than ___18.00___%.
2. Transaction Fees - For Balance Transfers and Cash Advances a fee equal to the greater of
$5.00 or 2% of the Balance Transfer or Cash Advance will be imposed. A transaction fee may
also be imposed by an ATM operator, not holding your account, or by any national, regional or
local network used to complete a Cash Advance transaction.

3.  OVERLIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount  by  which  the  total
New  Balance  exceeds  the  maximum  authorized  credit.  An  Overlimit  Charge  equal  to  the
greater of $__N/A____ , or___N/A___ % of the Amount overlimit, shall be imposed, not to
exceed $__N/A___ (For California accounts see, Sec. 9.)
4. ANNUAL FEE
a. A non-refundable Annual Fee of $__N/A___ plus applicable taxes, shall be charged to your
account, or
b. Using Plan______N/A________ (see Sec. 11) An Annual Fee/Interest Charge of $_N/A_
plus applicable taxes shall be charged unless, for the time period analyzed, you charged more
than $______N/A________ or had more than _N/A_ transactions on your card
5. MINIMUM PAYMENT:

a. The minimum payment required is the New Balance shown on your statement if the amount
is equal to or less than $__25.00___
b.      If the New Balance exceeds $__25.00__ the minimum payment is__2.00___ % of that
portion of the New Balance which does not exceed your credit limit (rounded up to the nearest
dollar),  or  $__25.00__________,  whichever  is  greater,  plus  the  entire  portion  of  the  New
Balance in excess of your credit limit, plus any amount past due.
6. LATE CHARGES: If the minimum required payment is not received within__0__ days after
the Closing Date subsequent to the payment Due Date, a late charge of up to $__25.00___,
or__N/A____ %, whichever is less, of the unpaid portion of the past due amount is imposed,
but not to exceed $____25.00____.
7.  The  only  Interest  Charges  assessed  on  your  account  other  than  those  assessed  by  a
periodic  rate,  will  be  transaction  Interest  Charges  in  connection  with  Cash  Advances  or
Balance Transfers if part of your Plan. Transaction Interest Charges for each Cash Advance or
Balance  Transfer  will  be  imposed  on  the  date  the  Cash  Advance  or  Balance  Transfer  was
posted to your account. No grace period applies on any transaction Interest Charge imposed
for Cash Advance or Balance Transfer.

8.  Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash
Advance at the time the loan is made.

9. The  annual  fee  shall  be  treated  as  a  Credit  Purchase  for  purposes  of  calculating  Interest
Charges, unless prohibited by law.

10.  In  California  a  maximum  of  $10  in  Overlimit  Fees  may  be  imposed  with  respect  to  any
charge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent,
whichever is less. No more than one overlimit charge may be assessed within a single monthly
billing cycle.

11. SECURITY: If  you  have  other  loans  or  credit  extensions  from  Issuer, or  take  out
other  loans  or  credit  extensions  with  Issuer  in  the  future,  collateral  securing  those
loans  or  credit  extensions  will  also  secure  your  obligations  under  this  agreement.
However, unless you expressly agree otherwise, your household goods and dwelling
will  not  secure  your  obligations  under  this  agreement  even  if  Issuer  has,  or  later
acquires, a security interest in the household goods or a mortgage on the dwelling. If
you  have  executed  a  written  agreement  granting  a  security  interest  in  any  deposit
accounts  (checking,  savings,  or  share  accounts)  or  other  funds  held  by  Issuer  to
secure your obligations under this credit card plan, such accounts and/or funds are
additional security for your obligations to Issuer arising from the use of your Card.

12. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 3.b.
only includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances;
Plan 3: Net Sales; Plan 4: Net Cash Advance; Plan 5: Gross Sales plus Gross Cash Advance;
Plan 6: Net Sales plus Net Cash Advance (Note: Time period analyzed shall be prior 12 month
period; however, initial time period may be less than 12 months as it begins on the date you
were notified of this program. Annual Fees shall not be waived for cardholders in default.)

PERIODIC INTEREST CHARGE CALCULATIONS METHODS
You agree to pay interest at the rate(s) disclosed to you at the time you open your account and
as may be changed from time to time in accordance with applicable law. The periodic Interest
Charge  Calculation  Method  applicable  to  your  account  for  Cash  Advances  and  Credit
purchases of goods and services that you obtain through the use of your Card is specified in
Section 1 on the Disclosure above and explained below:
Method  A  -  Average  Daily  Balance  (including  current  transactions).  The  Interest  Charge  on
purchases  begins  from  the  date  the  transaction  is  posted  to  your  account,  and  the  Interest
Charge  on  cash  advances  or  balance  transfers  begins  from  the  date  you  obtained  the  cash
advance  or  balance  transfer, or  the  first  day  of  the  billing  cycle  in  which  it  is  posted  to  your
account, whichever is later. There is no grace period.
The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to
the  "average  daily  balance"  of  your  account.  To get  the  average  daily  balance,  we  take  the
beginning balance of your account each day, add any new purchases or cash advances, and
subtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us
the daily balance. Then we add up all the daily balances for the billing cycle and divide the total
by the number of days in the billing cycle.
Method  E  -  Average  Daily  Balance  (excluding  current  transactions).  To  avoid  incurring  an
additional  Interest  Charge  on  the  balance  of  purchases  (and  cash  advances  if  Method  E  is
specified as applicable to cash advances) reflected on your monthly statement, you must pay
the New Balance shown on your monthly statement on or before the Payment Due Date. The
grace period for the New Balance of purchases extends to the Payment Due Date.
The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to
the  "average  daily  balance"  of  purchases  (and  if  applicable,  cash  advances).  To  get  the
average daily balance, we take the beginning balance of your account each day and subtract
any payments, credits, non-accruing fees, and unpaid Interest Charges. We do not add in new
purchases  or  cash  advances.  This  gives  us  the  daily  balance.  Then  we  add  up  all  the  daily
balances for the billing cycle and divide the total by the number of days in the billing cycle.
Method  F  -  Average  Daily  Balance  (including  current  transactions).  To  avoid  incurring  an
additional  Interest  Charge  on  the  beginning  balance  of  cash  advances  (and  purchases,  if
Method  F  is  specified  as  applicable  to  purchases)  reflected  on  your  monthly  statement,  you
must pay the Beginning Balance shown on your monthly statement on or before the Payment
Due Date. No grace period is provided for current cycle transactions.
The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to
the  "average  daily  balance"  of  cash  advances  (and  if  applicable,  purchases).  To  get  the
average daily balance, we take the beginning balance of your account each day, add any new
purchases  or  cash  advances,  and  subtract  any  payments,  credits,  non-accruing  fees,  and
unpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances
for the billing cycle and divide the total by the number of days in the billing cycle.
Method  G  -  Average  Daily  Balance  (including  current  transactions).  To  avoid  incurring  an
additional  Interest  Charge  on  the  balance  of  purchases  (and  cash  advances,  if  Method  G  is
specified  as  applicable  to  cash  advances)  reflected  on  your  monthly  statement  and,  on  any
new purchases (and if applicable, cash advances) appearing on your next monthly statement
you must pay the New Balance, shown on your monthly statement, on or before the Payment
Due Date. The grace period for the New Balance of purchases extends to the Payment Due
Date.
The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to
the  "average  daily  balance"  of  purchases  (and  if  applicable,  cash  advances).  To  get  the
average daily balance, we take the beginning balance of your account each day, add any new
purchases  or  cash  advances,  and  subtract  any  payments,  credits,  non-accruing  fees,  and
unpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances
for the billing cycle and divide the total by the number of days in the billing cycle.

IMPORTANT NOTICES
*SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARD(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW.
*SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT.
LOST OR STOLEN CARD CALL (866) 929-1901
page 1 of 3

LASER FPDF FI13824 Rev 7-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

.895-1.47833.895-1.4783310.74-17.7410.74-17.747.49-14.497.49-14.4914.65TERMS GOVERNING THE USE OF YOUR CARD
The person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed
herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the
same account number, by signing or using said Card, receipt of which is acknowledged, agrees
with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows:
A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card
by  Cardholder  from  any  retail  business  establishment  ("Seller")  who  honors  same  upon  the
execution of a sales slip evidencing such Credit Purchases and bearing the account number of
Cardholder embossed on the face of such Card. Additionally, VISA Cash Advances ("Loans") may
be obtained through use of such Card (a) upon execution of a written request of Cardholder in a
form furnished to Cardholder from any financial institution that is a member, alone or in association
with  others,  of  VISA  U.S.A.  Inc.  and  (b)  upon  execution  of  a  written  separate  agreement  with
issuer for a VISA overdraft financing agreement, if offered by Issuer.
B. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans
extended  to,  Cardholder  or  anyone  else  using  such  Card  unless  the  use  of  such  Card  is  by  a
person other than the Cardholder (a) who does not have actual, implied or apparent authority for
such  use,  and  (b)  from  which  Cardholder  receives  no  benefit. Additionally,  Cardholder  shall  be
jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through
the use of any other Card bearing Cardholder's account number that has been issued to another
person by reason of such person being a member of Cardholder's family, or otherwise issued upon
Cardholder's  request  (all  such  Cards  bearing  the  VISA  account  number  hereinafter  collectively
called "Related Cards").
C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on
the reverse) for participation in the Issuer's credit card plan. Such annual membership fee shall be
imposed  whether  or  not  Cardholder  uses  the  card  to  obtain  credit  purchases  and  loans.  The
membership  fee  shall  be  charged  to  Cardholder's  account  each  year  in  the  month  of  Issuer's
choice. The membership fee is not refundable in the event of termination of the account by either
Cardholder or Issuer unless otherwise provided for by law.
D. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand.
It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof
revoked, at any time without prior notice.
E.  Cardholder  shall  not  use  the  card  or  permit  the  use  of  Related  Cards  to  obtain  Credit
Purchases  or  Loans  which  will  increase  Cardholder's  indebtedness  to  Issuer  to  an  amount  in
excess of the limit established by Issuer.
F. All  Credit  Purchases  and  Loans  are  effected  at  the  option  of  the  Seller  and  Cash Advancing
Financial Institution, respectively, and Issuer is not responsible for the refusal of any plan merchant
or financial institution to honor the Card. Also, Issuer is not responsible for goods or services that
Cardholder  purchases  with  the  Card  unless:  (a)  the  purchase  was  made  in  response  to  an
advertisement  Issuer  sent  or  participated  in  sending  Cardholder;  or  (b)  the  purchase  cost  more
than  $50  and  was  made  from  a  plan  merchant  in  Cardholder's  state  or  within  100  miles  of
Cardholder's home; and only if Cardholder has made a good faith attempt, but have been unable
to obtain satisfaction from the plan merchant.  Cardholder must resolve all other disputes directly
with  the  plan  merchant.    Issuer  does  not  warrant  any  merchandise  or  services  purchased  by
Cardholder with the Card.
G. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting
for the prior monthly period all VISA Card and Related Card transactions. Such statement shall be
deemed  correct  and  accepted  by  Cardholder  and  all  holders  of  Related  Cards  unless  Issuer  is
notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay
such statement by remitting to Issuer within 25 days of the closing date reflected on the statement
either the full amount billed or, at Cardholder's option, an installment equal to at least the required
minimum payment stated in Section 4 on page 1 of this document.
H. Interest on Loans and Credit Purchases will be charged in accordance with the Interest Charge
calculation method referred to in Section 1 of the Disclosures on page 1 of this document. The rate
of interest shall be established by Issuer from time to time, but shall never exceed the maximum
rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth
in Section 1 of the Disclosures on page 1 of this document.
I.  If  the  card  is  canceled  or  surrender  is  demanded  by  Issuer,  or  if  Cardholder  defaults  in  any
payment  due,  or  is  deceased,  bankrupt  or  insolvent,  or  any  attachment  or  garnishment
proceedings  are  initiated  against  Cardholder  or  his  property,  Issuer  may  elect  to  declare  all
amounts then owed to Issuer to be immediately due and payable without notice or demand of any
kind. If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future,
collateral securing those loans will also secure the Cardholder's obligations under this agreement.
However, unless the Cardholder expressly agrees otherwise, the Cardholder's household goods
and dwelling will not secure Cardholder's obligations under this agreement even if Issuer has or
later acquires a security interest in the household goods or a mortgage on the dwelling. Cardholder
agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing
this  agreement,  including  reasonable  attorney's  fees  and  also  those  costs,  expenses  and
attorney's  fees  incurred  in  appellate,  bankruptcy  and  post-judgment  proceedings,  except  to  the
extent such costs, fees or expenses are prohibited by law.
J.  This  agreement  may  be  amended  from  time  to  time  by  Issuer  by  written  notice  mailed  to
Cardholder at Cardholder's last known address, subject to applicable law.
K. Except to the extent that Federal law is applicable, the validity, construction and enforcement of
this agreement and all matters arising out of the issuance and use of the Card shall be governed
by the laws of the state in which the principal office of Issuer is located.
L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not
honored by your financial institution, request a copy of a document, request a replacement card or
use your card for a transaction at an automated teller machine, if such charges are not prohibited
by law or regulation. No Interest Charge will be assessed on such additional charges.

M. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided
in this paragraph. Unless Issuer can prove the Cardholder was grossly negligent or committed
fraud in the use or handling of the Card, the Cardholder will not be liable for any unauthorized
use  that  occurs  after  the  Issuer  is  notified,  orally  or  in  writing  at:  Credit  Card  Security
Department, P.O. Box 2070, Fort Mill, SC 29716, Telephone Number (866) 929-1901.
If Cardholder has a consumer account or a business account, there is no limit to Cardholder's
liability  for  any  unauthorized  use  that  occurs  before  Cardholder  notifies  Issuer  as  provided
herein; the business or organization may only impose liability on its employees for unauthorized
use of a card as authorized by federal law and regulation.
N. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record
any telephone communications with Cardholder.
O.  Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash  advances  made  in
foreign currencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a
rate  selected  by  the  card  company  from  a  range  of  rates  available  in  wholesale  currency
markets for the applicable central processing date, which rate may vary from the rate the card
company itself receives, or the government- mandated rate in effect for the applicable central
processing  date  in  each  instance.    All  transactions  processed  outside  of  the  United  States
(which  may  include  internet  transactions)  will  be  charged  a  foreign  transaction  fee  in  the
amount  disclosed  on  Cardholder's  Truth-in-  Lending  Statement  or  similar  document  (as
amended from time to time).
P. Issuer  shall  have  sole  discretion  in  how  payments  are  applied  to  Cardholder's  account
subject to applicable law. Issuer may accept checks marked "Payment in Full" or with words of
similar  effect  without  losing  any  of  Issuer's  rights  to  collect  the  full  balance  of  Cardholder's
account. Payments must be made to Issuer in US dollars drawn on a US financial institution.
Q.  Issuer  can  reinvestigate  and  reevaluate  any  information  Cardholder  provided  on
Cardholder's  credit  application  at  any  time,  and  in  the  course  of  doing  so,  Issuer  may  ask
Cardholder  for  additional  information,  request  credit  bureau  reports  and/or  otherwise  verify
Cardholder's current credit standing.
R. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus,
regarding the status and history of Cardholder's account. However, Issuer is not obligated to
release any such information to anyone unless Issuer is required by law to do so.
S.  Cardholder  agrees  that  Cardholder's  account  shall  be  subject  to  all  applicable  rules  and
regulations  of  VISA U.S.A.  Inc.,  as  applicable,  as  well  as  all  applicable  laws.  If  there  is  any
conflict between the provision of this Agreement and the rules and regulations of VISA U.S.A.
Inc.,  the  rules  and  regulations  of  VISA U.S.A.  Inc.  shall  control.  Your Visa  Card  may  not  be
used for any illegal transaction(s).
T. Cardholder shall not use the Card or account to make or facilitate any illegal transactions as
determined by applicable law; and that any such use will constitute an event of default under
this  Agreement.    Issuer  may  decline  any  transaction  that  it  believes  to  be  illegal  under
applicable law, including but not limited to any transaction involving or relating to any gambling
activity. Cardholder agrees that Issuer will have no liability or responsibility for any such use by
Cardholder or any authorized user(s); or for declining any such transaction. Cardholder further
agree  to  indemnify  and  hold  Issuer  harmless  from  any  suits,  liability,  damages  or  adverse
action of any kind that results directly or indirectly from such illegal use. Cardholder promises to
pay Issuer any and all amounts owing on the Card for any transactions made by Cardholder,
even if the transaction is determined to be illegal.
U. Merchants and others who honor the Card may give credit for returns or adjustments, and
they will do so by submitting a credit slip which will be posted to Cardholder's account. If the
credits and payments exceed what Cardholder owes, the amount will be applied against future
purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded
upon Cardholder's written or verbal request.
V. From time to time the Issuer may offer a special rate applicable to certain transactions such
as  particular  purchases  (as  defined  by  the  Issuer),  balance  transfers,  cash  advances  or
purchases  made  by  using  Convenience  Checks.  Applicable  terms  and  conditions  will  be
disclosed at the time any such promotion is offered, and are incorporated into this agreement
by reference. The promotional rate will apply only to the transactions and for the period of time
set forth in any such offer from the Issuer. Existing balances and new purchases or advances
not expressly subject to any such promotion will remain governed by the terms and conditions
of  this  agreement.  In  addition,  the  terms  and  conditions  of  this  agreement  will  govern
Cardholder's obligations regarding any unpaid balance or transactions that are made subject to
any  such  promotional  offer,  that  are  not  fully  paid  within  the  time  period  set  forth  in  such
promotional offer.
W. The Issuer may offer Cardholder the opportunity to not make ("skip") a minimum payment
during certain designated billing cycles ("skip payment period"). If Cardholder does not make
minimum  payments  as  provided  in  this  agreement,  during  such  designated  billing  cycles,
Cardholder  understands  that  Issuer  will  continue  to  apply  finance  charges  to  the  account.
Beginning with the billing cycle following an allowed skip payment period, all other provisions of
this agreement will apply. The Issuer has no obligation to accept Cardholder's application for
any skip payment period offered, and Cardholder authorizes Issuer to investigate Cardholder's
creditworthiness  including  obtaining  consumer  credit  reports.  The  Issuer  may  charge  an
application processing fee of up to $50.00 for each skip payment period that issuer may offer to
cover the costs of investigating Cardholder's qualifications for this extension including but not
limited to the costs associated with researching Cardholder's creditworthiness.
X.  If  Cardholder  elects  debt  protection,  as  set  forth  in  the  Cardholder's  application,  then  the
charges  will  be  added  to  the  account  balance  on  each  billing  cycle,  if  the  debt  protection
application  is  approved.  Debt  protection  is  voluntary  and  not  required  to  obtain  a  credit  card
account with the Issuer. Cardholder has a right to terminate this debt protection at anytime by
notifying the Issuer in writing.

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YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair  Credit
Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es) listed on your
statement.

In your letter, give us the following information:

1. Your name and account number.

2. The dollar amount of the suspected error.

3. If you think there is an error on your bill, describe what you believe is wrong and why you
believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.

• At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  you  want  to  stop
payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, 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:

After we finish our investigation, one of two things will happen:

•  If  we  made  a  mistake:  You will  not  have  to  pay  the  amount  in  question  or  any  interest  or
other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along
with applicable interest and fees. We will send you a statement of the amount you owe and the
date payment is due. We may then report you as delinquent if you do not pay the amount we
think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10
days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we  cannot  report  you  as  delinquent
without also reporting that you are questioning your bill. We must tell you the name of anyone
to whom we reported you as delinquent, and we must let those organizations know when the
matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount
you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit
card, and you have tried in good faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. 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.

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.)

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.

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 the address(es) listed on your statement.

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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