RETAILER – SEND THIS COMPLETED APPLICATION TO:

CREDIT FIRST NATIONAL ASSOCIATION  

BK-14/AUTHORIZATION

P.O. BOX 81083

 CLEVELAND, OHIO 44181-0083

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 a new 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 your driver’s license or other identifying 
documents.

CREDIT CARD AGREEMENT

INTEREST RATES AND INTEREST CHARGES

  Annual Percentage Rate (APR) 
  for Purchases 

22.8%

  How to Avoid Paying Interest  

Your  due  date  is  at  least  23  days  after  the  close  of  each 
Billing  Cycle.  We  will  not  charge  you  interest  on  purchases   
if  you  pay  your  entire  balance  by  the  Payment  Due  Date   
each month.

  Minimum Interest Charge  

If you are charged interest, the charge will be no less than $1.

  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

  Annual Fee 

  Penalty Fees  

  •	 Late	Payment	Fee 

None 

Up to $15 if your New Balance is less than $100; 
Up to $35 if your New Balance is $100 or more

  •	 Returned	Payment	Fee 

Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement below.
We may change APR, Fees, and other terms at any time and for any reason in accordance with this Credit Card Agreement and applicable law.
The information about costs of the card described in this application is accurate as of April 1, 2012. This information may have changed after that date. To find out what may 
have changed, please write us at: Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.
READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR SUBMIT YOUR ELECTRONIC CONSENT

This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First 
National Association, a national banking association located at 6275 Eastland Road, 
Brook Park, Ohio 44142 (“CFNA”).  This Agreement governs the use of your credit 
card account with us (“Account”) and includes the following “Related Documents”: 
•	 Application	 -	 The	 application	 or	 solicitation	 you	 signed	 or	 otherwise	

submitted to request the Account; 

•	 Card	Carrier	-	The	card	carrier	we	send	with	the	credit	card	or	cards	we	issue	

to you;

•	 Promotional	Credit	Plan	Terms	-	Any	special	terms	we	provide	to	you	if	you	

make a purchase under a special promotional plan; and

•	 Debt	 Cancellation	 -	 The	 terms	 and	 conditions	 of	 any	 debt	 cancellation	

product that you purchase in connection with your Account.

The  Related  Documents  are  incorporated  by  reference  into  this  Agreement.    Your 
handwritten, electronic or digital signature on any document you sign in connection 
with the use of your card or Account is part of this Agreement.  These documents 
include,  but  are  not  limited  to,  your  card,  Application  or  any  accepted  sales  slip.  
Participating merchants that may honor your card are not a party to this Agreement.  
Please read this Agreement and keep it for your records.  
AUTHORIZATION
By  signing  the  application,  signature  capture  device  or  through  your  electronic 
consent, you certify to each of the following statements:  You have read and agree to 
the terms and conditions set forth in this document. You are applying to Credit First 
National Association (CFNA) for a credit card with a credit limit up to the amount 
for which you qualify.  The application information you provided is true, correct and 

complete,  and  CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports 
about  you  from  consumer  reporting  agencies  in  considering  this  application  and 
subsequently for the purpose of any update, review, renewal or extension of credit, 
or reviewing or collecting the Account.  You understand and agree that by providing 
CFNA  with  a  wireless  telephone  number,  you  consent  to  receiving  autodialed  and 
prerecorded  message  calls  from  CFNA  or  its  servicers,  its  assignees,  or  its  third 
party debt collectors at this number.  You understand that if CFNA approves your 
application, CFNA will issue a card and extend credit to you from its offices in Ohio. 
You agree to be bound by the terms set forth in the Agreement.  You also understand 
that  the  Agreement  includes  an  Arbitration  Section  that  allows  you  or  CFNA  to 
resolve by arbitration claims arising from or related to the Agreement and your 
Account  through  the  American  Arbitration  Association.    The  Arbitration  Section 
will prevent you and CFNA from having claims resolved by a judge or jury and 
prevent  you  from  participating  as  a  representative  or  member  of  any  class  of 
claimants for claims subject to arbitration.  Other rights available in court may 
also not be available in arbitration.  You can reject the Arbitration Section within 
30 days after CFNA opens your Account as explained in the Agreement.
By  submitting  your  application,  you  acknowledge  that  you  have  read,  understood 
and received a copy of this document and if approved for credit by CFNA, agree to be 
bound by the terms set forth in this document.  
1.  DEFINITIONS. 

•	 You	and	your	-	each	person	who	requested	an	Account	approved	by	CFNA.
•	 We,	us	and	our	-	CFNA	or	any	person	or	entity	to	which	CFNA	sells	or	gives	

your Account.  

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•	 Credit	Card	or	Card	-	each	credit	card	we	issue	to	you	or	a	person	any	of	you	

9.  CREDIT PLANS. 

•	 Authorized	User	-	a	person	any	of	you	authorizes	to	use	the	Account	and	to	

authorizes to use the Account.

whom we may issue a Card.

Other capitalized terms are defined in the Agreement.  Defined terms have the same 
meaning when used in your monthly billing statement (“Statement”).  
2.  YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise 
to  do  everything  this  Agreement  requires  of  you.  For  joint  Accounts,  each  of  you 
promises to do everything this Agreement requires. You specifically promise to pay 
all  amounts  owed  because  of  transactions  made  on  your  Account  by  any  of  you 
and  any  Authorized  User.  You  will  be  bound  by  this  Agreement  when  you  submit 
an  Application  that  is  approved  by  us,  sign  a  sales  slip  using  the  Card,  or  use  or 
permit someone else to use credit provided through the Card or Account. You will 
use the Card only for personal, family, or household purposes, and not for business, 
commercial, or agricultural purposes.  You agree that at any time for any reason we 
may reissue a Card to you and/or may ask you to return any or all Cards.
3.  CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount 
we allow you to owe us at any time.  If you exceed any credit limit that we have set 
for your Account, we can still charge you for all transactions, Interest Charges and 
other  charges  (“Finance  Charges”)  without  giving  up  any  of  our  rights  under  this 
Agreement.  We may increase or decrease your Credit Limit at any time at our option.  
The reasons for changes may include, for example, your credit history with us, your 
default under this Agreement (see Section 13 below), fraud prevention or changes to 
this credit card program or CFNA policy. 
4.  MONTHLY  STATEMENTS;  BILLING  CYCLES.    We  will  send  you  a  Statement 
at the end of each Billing Cycle in which (a) your Account has a balance of $1 or 
more, (b) an Interest Charge is imposed or (c) applicable law requires us to send 
a  Statement.  We  send  only  one  Statement  for  your  Account  each  month.  Each 
Statement will show, among other things, the date on which the most recent Billing 
Cycle ended (the “Statement Closing Date” of the Billing Cycle), Previous Balance, 
Payments  and  Credits,  Transactions,  Interest  Charges,  other  Fees  and  Charges, 
Payment Due Date, New Balance and Minimum Payment Due. A Billing Cycle means 
the days between Statement Closing Dates. 
5.  YOUR ADDRESS.  We will consider your current address and state of residence 
to be the same as the billing address we maintain in our records. You agree to notify 
us of any change in your name, residence, or billing address by writing to us at the 
address  shown  on  your  Statement.  Any  notices  required  by  law  shall  be  deemed 
received if mailed to your current address. 
6.  PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at 
any time without penalty. You must pay us at least the Minimum Payment Due for 
each Billing Cycle by the Payment Due Date shown on your Statement. The Minimum 
Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance 
(rounded  up  to  the  nearest  whole  dollar)  plus  all  past  due  amounts  and  any  Late 
Payment Fee, Returned Payment Fee, or unpaid ACH Service Fee incurred during the 
previous Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay your 
Account balance in full). The New Balance used to determine your Minimum Payment 
Due includes Regular Credit Plan transactions and Promotional Credit Plan balances 
(see Section 9 below for a description of Credit Plans). 
7.  SKIP-PAYMENT OPTION. At our sole option, we may allow you to skip payment 
of the Minimum Payment Due for a certain Billing Cycle. During any Skip-Payment 
period, Interest Charges will continue to accumulate on the unpaid balance of your 
Account, but no Late Payment Fee will be assessed. At the end of any Skip-Payment 
period, the Minimum Payment terms of this Agreement that would have applied were 
it not for the Skip-Payment feature, will automatically resume. Taking advantage of 
the  Skip-Payment  option  will  not  extend  the  Delay  Period  for  special  Promotional 
Credit Plans.
8. 
Time on a business day are credited to your Account as of that day. You may pay your 
Account by mail, by telephone or on-line.  If paying by mail, send your personal check 
or money order, payable in U.S. dollars, to Credit First N.A. at the payment address 
shown on your Statement. Include your payment stub and do not send cash. You 
agree not to send us any check marked "payment in full" or with similar terms or other 
conditions. If you do, the check must be sent to our Dispute Resolution Department 
at a separate address for Inquiries specified on your Statement. We can accept such 
checks or late or partial payments without losing our right to receive the full amount 
owing  on  your  Account.    If  paying  by  telephone,  utilize  our  automated  payment 
system at 800-321-3950.  If paying on-line, log on to www.CFNA.com.  Follow all of 
the instructions for making a payment specified on your Statement.  Any payment 
that does not conform to these requirements may not be credited to your Account for 
up to five days, or may be rejected.

  METHODS  OF  PAYMENT.  Payments  received  at  CFNA  by  5:00  p.m.  Eastern 

A.  Regular Credit Plan. You may use your Account for transactions that may or 

may not be subject to Promotional Credit Plan terms. Any balance of transactions not 

subject to Promotional Credit Plan terms will be part of your Regular Credit Plan and 

treated as your “Revolving Balance.” 

B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit 

Plans. Any Promotional Credit Plan may apply for a limited period of time. Our rights 

and  your  responsibilities  will  change  if  you  make  a  qualifying  purchase  under  a 

Promotional Credit Plan. If you participate, the applicable Promotional Credit Plan 

terms will be given to you in a separate document. Promotional Credit Plan terms 

temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and 

all other terms of this Agreement remain unchanged. Any temporary modification of 

Agreement terms for Promotional Credit Plans will not limit or affect any other rights 

we have under this Agreement or applicable law.

10.  APPLICATION  OF  PAYMENTS.  We  apply  payments  first  to  previously  billed 

Interest  Charges;  then  to  your  purchases.  The  application  of  payments  may  be 

amended by Promotional Credit Terms. Except as otherwise prohibited, we will apply 

payments  equal  to  or  less  than  the  required  Minimum  Payment  amount  and  any 

B.  Returned  Payment  Fee.  If  your  payment  check,  ACH,  electronic  debit  or 

federal  law,  the  laws  of  Ohio,  without  regard  to  its  conflicts  of  law  provisions. 

other instrument is dishonored by your bank or must be returned for any reason, 

This  is  the  law  we  mean  when  we  refer  in  this  Agreement  to  a  term  that  may 

we will add a Returned Payment Fee of $25, or $35 if you had a returned payment 

be permitted or required by applicable law. We have accepted this Agreement in 

in  any  of  the  6  prior  Billing  Cycles,  to  the  Revolving  Balance  of  your  Account.  

Ohio.

However, the Returned Payment Fee will never exceed the amount of your most 

recent required Minimum Payment.

21.  RESPONSIBILITY  FOR  GOODS  AND  SERVICES.  We  are  not  responsible 

for the goods and services purchased with the Credit Card. You agree to settle 

C.  ACH Service Fee. Each time you ask a customer service representative to 

all  disputes  arising  from  purchases  directly  with  the  merchant  who  honored 

assist you in making an expedited automated payment from your bank account 

the Credit Card and, except as required by applicable law, to pay us all amounts 

(i.e.  an  automated  clearinghouse  or  "ACH"  transaction),  when  permissible,  we 

required by this Agreement despite such disputes.  You agree to notify us within 

may add a service fee to the Revolving Balance of your Account.  The amount of 

30  days  after  the  occurrence  of  an  event  giving  rise  to  a  product  or  service 

the fee will be disclosed at the time you request the service.  

dispute.  

13.  DEFAULT. Your Account will be in default if you fail to do something that this 

22.  WAIVER. We may, at our discretion from time to time without notice, waive 

Agreement requires of you, subject to any restrictions under applicable law.  If 

any of our rights under this Agreement in certain circumstances. We can waive 

that happens, we may tell you to pay us immediately everything you owe under 

our  rights  without  affecting  our  other  rights.  If  we  waive  any  right,  we  do  not 

the Account and applicable law. We will tell you in advance and/or give you an 

waive the same right in other circumstances or at other times.

opportunity to cure your default only if applicable law requires us to do so. 

23.  SEVERABILITY. If any provision of this Agreement is finally determined to 

14.  LOST  OR  STOLEN  CARD  OR  IDENTITY  THEFT.  If  you  notice  the  loss  or 

be unenforceable under any law, rule, or regulation, all other provisions of this 

theft of your credit card or a possible unauthorized use of your card (including 

Agreement will still be valid and enforceable.

credits to balances on your Account in a way that is deemed appropriate by us. We 

suspected  identity  theft),  you  should  write  to  us  immediately  at  CFNA,  BK-11/

will also follow the requirements of applicable law when allocating your payments.   

Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us at 800-

11.  INTEREST  CHARGES.  We  will  calculate  periodic  Interest  Charges  on  your 

Account  for  each  Billing  Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic 

Interest  Rate”)  by  the  Average  Daily  Balance  (including  new  transactions)  on 

321-3950.  You will not be liable for any unauthorized use that occurs after you 

notify us.  You may, however, be liable for unauthorized use that occurs before 

your notice to us.  In any case, your liability will not exceed $50.

your  Account.  A  Periodic  Interest  Rate  is  one-twelfth  of  its  corresponding  Annual 

15.  HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may 

Percentage Rate (“APR”). We will charge you a minimum Interest Charge of $1 for 

cancel your Account at any time. Cut each Card in half and send us the pieces with 

any  Billing  Cycle  in  which  an  Interest  Charge  of  less  than  $1  would  otherwise  be 

a letter telling us you want to cancel your Account. This includes each Card you 

imposed.  

A.  Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to 

your Revolving Balance is 1.9% (corresponding APR 22.8%) (“Interest Rate”).

B.  How  We  Calculate  Average  Daily  Balance  Subject  to  Periodic  Interest 

Charges.  To get the Average Daily Balance for your Revolving Balance, we first must 

determine the daily balance for your Revolving Balance. To get the daily balance, we 

take the beginning Revolving Balance of your Account each day. Then we subtract 

any payments or credits applied to your Revolving Balance, and any unpaid Interest 

gave to others. Send us the letter and Card pieces at the address shown on your 

Statement. You still must pay the full amount you owe us.

16.  WE  HAVE  THE  RIGHT  TO  CANCEL  YOUR  ACCOUNT.  We  may  cancel  your 

Account and Cards at any time for any reason. Any Card issued for your Account 

must be cut in half and the pieces sent to us if we ask. This includes each Card 

you gave to others. You cannot use a Card after we ask you to return it. You still 

must pay the full amount you owe us, and this Agreement will continue to apply 

to any unpaid balance.

Charges.  We  add  to  that  amount  any  new  Regular  Credit  Plan  transactions,  Late 

17.  CREDIT  AUTHORIZATIONS.  We  will  authorize  all  Account  purchases  in 

Payment Fees, credit insurance, debt cancellation charges and other Account fees 

advance. A merchant may ask you to provide identification. We may not be able 

and administrative charges. We then add up all the daily balances and divide by the 

to authorize a transaction, even if you have sufficient available credit, for example 

number of days in the Billing Cycle. This gives us the Average Daily Balance for your 

if our authorization system is not working or if we suspect possible fraud. We 

Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges, 

will not be liable to you if this occurs. We may not authorize a transaction if your 

that is, we do not compound Interest Charges.

C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on 

each purchase from the later of (a) the date of the transaction or (b) the first day of 

the Billing Cycle in which the transaction posts to your Account. However, we do not 

assess Interest Charges in the following circumstances:

1.  If you paid the New Balance at the beginning of your previous Billing Cycle 

by the Payment Due Date during that previous Billing Cycle (or if that New 

Balance was $0 or a credit balance), then:

•	

if	you	pay	the	New	Balance	on	your	current	Monthly	Statement	in	full	by	

the Payment Due Date in your current Billing Cycle, we will not impose 

Interest Charges on Purchases during your current Billing Cycle, and 

•	

if	you	make	a	payment	that	is	less	than	the	New	Balance	by	the	Payment	

Due Date in your current Billing Cycle, we will credit that payment as of 

the first day in your current Billing Cycle.

Account is over your Credit Limit or delinquent; if we authorize such a transaction, 

we do not consider it to be an increase in your Credit Limit. We are not responsible 

if any merchant refuses to accept or honor your Credit Card.

in connection with the processing of an application for credit, and subsequently 

in connection with any extension of credit, or any consideration of an increase to 

your credit limit, or any renewal or update of your Account, or to take collection 

action on the Account, or to investigate disputes regarding the Account. You also 

authorize us to furnish information concerning the status and payment history of 

your Account to credit bureaus and other creditors. If you believe that we have 

reported  inaccurate  information  about  you  to  a  credit  reporting  agency,  please 

contact us at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio  

44181-0315. In doing so, please provide your Account number, name, address, 

phone number, any other supporting documentation and specify the inaccurate 

2.  If  you  had  a  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle 

information and tell us why you believe it is incorrect. If you have a copy of the 

and  you  did  not  pay  that  New  Balance  by  the  Payment  Due  Date  during 

credit report that includes the inaccurate information, please send a copy of that 

that previous Billing Cycle, then we will not charge Interest Charges on any 

report to us as well. 

Purchases during the current Billing Cycle if you pay the New Balance at the 

beginning  of  your  current  Billing  Cycle  by  the  Payment  Due  Date  in  your 

current Billing Cycle.

12.  FEES.

A.  Late  Payment  Fee.  If  we  do  not  receive  at  least  the  Minimum  Payment  Due 

by 5:00 p.m. Eastern Time on your Payment Due Date we may add to your Account 

a Late Payment Fee of $15 if your New Balance is less than $100, $25 if your New 

Balance is $100 or more, and $35 if your New Balance is $100 or more and you did 

not make at least the Minimum Payment by the Payment Due Date in each of the six 

prior Billing Cycles. However, the Late Payment Fee will never exceed the amount of 

your required Minimum Payment to which the Late Payment Fee relates.  Any Late 

Payment Fee assessed will be added to the Revolving Balance on your Account.

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19.  PHONE CALLS. You authorize us, or our servicers, assignees, or third party 

debt collectors to contact you by telephone about your Account. You agree that we 

may call you about your Account using an automatic dialing - announcing device 

and that these calls will not be "unsolicited" calls for purposes of state or federal 

law.  You understand and agree that by providing us with a wireless telephone 

number, you consent to receiving autodialed and prerecorded message calls from 

us or our servicers, assignees, or third party debt collector at that number. From 

time to time, we may monitor and/or record telephone calls between you and us 

to assure the quality of our customer service. You agree that monitoring and/or 

recording may be done and that no additional notice to you or additional approval 

from you is needed.

20.  GOVERNING  LAW.  This  Agreement  and  your  Account  are  governed  by 

federal  law  applicable  to  a  national  bank  and,  to  the  extent  not  preempted  by 

24.  ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account 

or any interest we hold in your Account without notice to you. You may not sell, 

assign or transfer your Account.

25.  CHANGE IN TERMS. We may change the terms of this Agreement at any time, 

and we may add or delete terms in this Agreement.  These changes may include, 

for example, Interest Charge rates, fees and this Change in Terms provision.  We 

will give you notice of any change as required by applicable law. Any change will 

apply on and after its effective date to new transactions and existing balances on 

your Account, except as limited by applicable law.  

26.  DEBT CANCELLATION. Your purchase of any debt cancellation product that 

we offer is optional. Whether or not you purchase this product does not affect our 

decisions about your credit.  The Debt Cancellation Terms of any debt cancellation 

product that we offer and you elect to purchase, and any other related disclosures, 

are provided separately from this Agreement.

27.  ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" 

and "our" refer to Credit First National Association, its parents, wholly or majority 

owned  subsidiaries,  affiliates,  predecessors,  successors,  assigns,  employees, 

officers and directors. If either you or we choose arbitration, neither you nor we 

will  have  the  right  to  litigate  that  claim  in  court  or  to  have  a  jury  trial  on  that 

claim,  or  to  engage  in  pre-arbitration  discovery,  except  as  provided  for  in  the 

arbitration rules of the American Arbitration Association (“AAA”). In addition, you 

will not have the right to participate as a representative or member of any class 

of claimants related to any claim subject to arbitration. The arbitrator's decision 

will generally be final and binding. Other rights that you would have if you went 

A  "Claim"  is  any  pre-existing,  present,  or  future  claim,  dispute,  or  controversy 

of  any  kind  (including  but  not  limited  to  constitutional,  statutory,  regulatory, 

common law, contract, tort and equitable claims) arising from or relating to (a) 

the credit offered or provided to you or requested by you, (b) the actions of you, 

us or third parties, or (c) the validity or meaning of this arbitration provision and 

every other provision in this Agreement.  

You agree that either you or we can choose to have any Claim resolved by binding 

arbitration. You and we acknowledge that each waives the right or opportunity 

to litigate a Claim in a court of law, and that each agrees to resolve any Claims 

arising out of this Agreement through binding arbitration. This Section does not 

apply to any of our regular Account collection efforts.  If this Section (or any part 

of it) is determined invalid or illegal under any applicable statute or rule of law, it 

will be deemed omitted without affecting any other provisions of this Agreement, 

which shall remain in full force and effect.

There shall be no authority for any Claims to be arbitrated on a class action 

basis. An arbitration can only decide our or your Claim and may not consolidate 

or join the claims of other persons who may have similar claims. 

Any arbitration will be conducted in accordance with the AAA’s rules applicable 

to  consumer  disputes.    For  additional  information  go  to:  http://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  the  first  $250  of 

the filing and hearing fees for any Claim you may file against us; the arbitrator 

will  decide  whether  we  or  you  will  ultimately  pay  those  fees.  This  arbitration 

agreement  is  made  pursuant  to  a  transaction  involving  interstate  commerce  

and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. 

(continued on page 4)

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18.  CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us 

to court may also not be available in arbitration. It is important that you read the 

to investigate your credit record. You agree that a credit report may be requested 

entire arbitration provision carefully before accepting the terms of this Agreement. 

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N

 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
RETAILER – SEND THIS COMPLETED APPLICATION TO:

CREDIT FIRST NATIONAL ASSOCIATION  

BK-14/AUTHORIZATION

P.O. BOX 81083

 CLEVELAND, OHIO 44181-0083

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and 

authorizes to use the Account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

•	 Credit	Card	or	Card	-	each	credit	card	we	issue	to	you	or	a	person	any	of	you	

record information that identifies each person who opens a new 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 your driver’s license or other identifying 

documents.

CREDIT CARD AGREEMENT

INTEREST RATES AND INTEREST CHARGES

  Annual Percentage Rate (APR) 

  for Purchases 

22.8%

  How to Avoid Paying Interest  

Your  due  date  is  at  least  23  days  after  the  close  of  each 

Billing  Cycle.  We  will  not  charge  you  interest  on  purchases   
if  you  pay  your  entire  balance  by  the  Payment  Due  Date   

each month.

  Minimum Interest Charge  

If you are charged interest, the charge will be no less than $1.

  For Credit Card Tips from the 

To learn more about factors to consider when applying for or using

  Consumer Financial Protection 

a credit card, visit the website of the Consumer Financial Protection 

Bureau at http://www.consumerfinance.gov/learnmore

  Bureau 

  FEES

  Annual Fee 

  Penalty Fees  

  •	 Late	Payment	Fee 

None 

Up to $15 if your New Balance is less than $100; 

Up to $35 if your New Balance is $100 or more

  •	 Returned	Payment	Fee 

Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement below.

We may change APR, Fees, and other terms at any time and for any reason in accordance with this Credit Card Agreement and applicable law.

The information about costs of the card described in this application is accurate as of April 1, 2012. This information may have changed after that date. To find out what may 

have changed, please write us at: Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.

READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR SUBMIT YOUR ELECTRONIC CONSENT

This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First 

National Association, a national banking association located at 6275 Eastland Road, 

Brook Park, Ohio 44142 (“CFNA”).  This Agreement governs the use of your credit 

card account with us (“Account”) and includes the following “Related Documents”: 

•	 Application	 -	 The	 application	 or	 solicitation	 you	 signed	 or	 otherwise	

submitted to request the Account; 

•	 Card	Carrier	-	The	card	carrier	we	send	with	the	credit	card	or	cards	we	issue	

to you;

•	 Promotional	Credit	Plan	Terms	-	Any	special	terms	we	provide	to	you	if	you	

make a purchase under a special promotional plan; and

•	 Debt	 Cancellation	 -	 The	 terms	 and	 conditions	 of	 any	 debt	 cancellation	

product that you purchase in connection with your Account.

The  Related  Documents  are  incorporated  by  reference  into  this  Agreement.    Your 

handwritten, electronic or digital signature on any document you sign in connection 

with the use of your card or Account is part of this Agreement.  These documents 

include,  but  are  not  limited  to,  your  card,  Application  or  any  accepted  sales  slip.  

Participating merchants that may honor your card are not a party to this Agreement.  

Please read this Agreement and keep it for your records.  

AUTHORIZATION

By  signing  the  application,  signature  capture  device  or  through  your  electronic 

consent, you certify to each of the following statements:  You have read and agree to 

the terms and conditions set forth in this document. You are applying to Credit First 

National Association (CFNA) for a credit card with a credit limit up to the amount 

for which you qualify.  The application information you provided is true, correct and 

complete,  and  CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports 
about  you  from  consumer  reporting  agencies  in  considering  this  application  and 
subsequently for the purpose of any update, review, renewal or extension of credit, 
or reviewing or collecting the Account.  You understand and agree that by providing 
CFNA  with  a  wireless  telephone  number,  you  consent  to  receiving  autodialed  and 
prerecorded  message  calls  from  CFNA  or  its  servicers,  its  assignees,  or  its  third 
party debt collectors at this number.  You understand that if CFNA approves your 
application, CFNA will issue a card and extend credit to you from its offices in Ohio. 
You agree to be bound by the terms set forth in the Agreement.  You also understand 
that  the  Agreement  includes  an  Arbitration  Section  that  allows  you  or  CFNA  to 
resolve by arbitration claims arising from or related to the Agreement and your 
Account  through  the  American  Arbitration  Association.    The  Arbitration  Section 
will prevent you and CFNA from having claims resolved by a judge or jury and 
prevent  you  from  participating  as  a  representative  or  member  of  any  class  of 
claimants for claims subject to arbitration.  Other rights available in court may 
also not be available in arbitration.  You can reject the Arbitration Section within 

30 days after CFNA opens your Account as explained in the Agreement.

By  submitting  your  application,  you  acknowledge  that  you  have  read,  understood 
and received a copy of this document and if approved for credit by CFNA, agree to be 

bound by the terms set forth in this document.  

1.  DEFINITIONS. 

•	 You	and	your	-	each	person	who	requested	an	Account	approved	by	CFNA.
•	 We,	us	and	our	-	CFNA	or	any	person	or	entity	to	which	CFNA	sells	or	gives	

your Account.  

1

•	 Authorized	User	-	a	person	any	of	you	authorizes	to	use	the	Account	and	to	

whom we may issue a Card.

Other capitalized terms are defined in the Agreement.  Defined terms have the same 
meaning when used in your monthly billing statement (“Statement”).  
2.  YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise 
to  do  everything  this  Agreement  requires  of  you.  For  joint  Accounts,  each  of  you 
promises to do everything this Agreement requires. You specifically promise to pay 
all  amounts  owed  because  of  transactions  made  on  your  Account  by  any  of  you 
and  any  Authorized  User.  You  will  be  bound  by  this  Agreement  when  you  submit 
an  Application  that  is  approved  by  us,  sign  a  sales  slip  using  the  Card,  or  use  or 
permit someone else to use credit provided through the Card or Account. You will 
use the Card only for personal, family, or household purposes, and not for business, 
commercial, or agricultural purposes.  You agree that at any time for any reason we 
may reissue a Card to you and/or may ask you to return any or all Cards.
3.  CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount 
we allow you to owe us at any time.  If you exceed any credit limit that we have set 
for your Account, we can still charge you for all transactions, Interest Charges and 
other  charges  (“Finance  Charges”)  without  giving  up  any  of  our  rights  under  this 
Agreement.  We may increase or decrease your Credit Limit at any time at our option.  
The reasons for changes may include, for example, your credit history with us, your 
default under this Agreement (see Section 13 below), fraud prevention or changes to 
this credit card program or CFNA policy. 
4.  MONTHLY  STATEMENTS;  BILLING  CYCLES.    We  will  send  you  a  Statement 
at the end of each Billing Cycle in which (a) your Account has a balance of $1 or 
more, (b) an Interest Charge is imposed or (c) applicable law requires us to send 
a  Statement.  We  send  only  one  Statement  for  your  Account  each  month.  Each 
Statement will show, among other things, the date on which the most recent Billing 
Cycle ended (the “Statement Closing Date” of the Billing Cycle), Previous Balance, 
Payments  and  Credits,  Transactions,  Interest  Charges,  other  Fees  and  Charges, 
Payment Due Date, New Balance and Minimum Payment Due. A Billing Cycle means 
the days between Statement Closing Dates. 
5.  YOUR ADDRESS.  We will consider your current address and state of residence 
to be the same as the billing address we maintain in our records. You agree to notify 
us of any change in your name, residence, or billing address by writing to us at the 
address  shown  on  your  Statement.  Any  notices  required  by  law  shall  be  deemed 
received if mailed to your current address. 
6.  PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at 
any time without penalty. You must pay us at least the Minimum Payment Due for 
each Billing Cycle by the Payment Due Date shown on your Statement. The Minimum 
Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance 
(rounded  up  to  the  nearest  whole  dollar)  plus  all  past  due  amounts  and  any  Late 
Payment Fee, Returned Payment Fee, or unpaid ACH Service Fee incurred during the 
previous Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay your 
Account balance in full). The New Balance used to determine your Minimum Payment 
Due includes Regular Credit Plan transactions and Promotional Credit Plan balances 
(see Section 9 below for a description of Credit Plans). 
7.  SKIP-PAYMENT OPTION. At our sole option, we may allow you to skip payment 
of the Minimum Payment Due for a certain Billing Cycle. During any Skip-Payment 
period, Interest Charges will continue to accumulate on the unpaid balance of your 
Account, but no Late Payment Fee will be assessed. At the end of any Skip-Payment 
period, the Minimum Payment terms of this Agreement that would have applied were 
it not for the Skip-Payment feature, will automatically resume. Taking advantage of 
the  Skip-Payment  option  will  not  extend  the  Delay  Period  for  special  Promotional 
Credit Plans.
8. 
  METHODS  OF  PAYMENT.  Payments  received  at  CFNA  by  5:00  p.m.  Eastern 
Time on a business day are credited to your Account as of that day. You may pay your 
Account by mail, by telephone or on-line.  If paying by mail, send your personal check 
or money order, payable in U.S. dollars, to Credit First N.A. at the payment address 
shown on your Statement. Include your payment stub and do not send cash. You 
agree not to send us any check marked "payment in full" or with similar terms or other 
conditions. If you do, the check must be sent to our Dispute Resolution Department 
at a separate address for Inquiries specified on your Statement. We can accept such 
checks or late or partial payments without losing our right to receive the full amount 
owing  on  your  Account.    If  paying  by  telephone,  utilize  our  automated  payment 
system at 800-321-3950.  If paying on-line, log on to www.CFNA.com.  Follow all of 
the instructions for making a payment specified on your Statement.  Any payment 
that does not conform to these requirements may not be credited to your Account for 
up to five days, or may be rejected.

9.  CREDIT PLANS. 
A.  Regular Credit Plan. You may use your Account for transactions that may or 
may not be subject to Promotional Credit Plan terms. Any balance of transactions not 
subject to Promotional Credit Plan terms will be part of your Regular Credit Plan and 
treated as your “Revolving Balance.” 
B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit 
Plans. Any Promotional Credit Plan may apply for a limited period of time. Our rights 
and  your  responsibilities  will  change  if  you  make  a  qualifying  purchase  under  a 
Promotional Credit Plan. If you participate, the applicable Promotional Credit Plan 
terms will be given to you in a separate document. Promotional Credit Plan terms 
temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and 
all other terms of this Agreement remain unchanged. Any temporary modification of 
Agreement terms for Promotional Credit Plans will not limit or affect any other rights 
we have under this Agreement or applicable law.
10.  APPLICATION  OF  PAYMENTS.  We  apply  payments  first  to  previously  billed 
Interest  Charges;  then  to  your  purchases.  The  application  of  payments  may  be 
amended by Promotional Credit Terms. Except as otherwise prohibited, we will apply 
payments  equal  to  or  less  than  the  required  Minimum  Payment  amount  and  any 
credits to balances on your Account in a way that is deemed appropriate by us. We 
will also follow the requirements of applicable law when allocating your payments.   
11.  INTEREST  CHARGES.  We  will  calculate  periodic  Interest  Charges  on  your 
Account  for  each  Billing  Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic 
Interest  Rate”)  by  the  Average  Daily  Balance  (including  new  transactions)  on 
your  Account.  A  Periodic  Interest  Rate  is  one-twelfth  of  its  corresponding  Annual 
Percentage Rate (“APR”). We will charge you a minimum Interest Charge of $1 for 
any  Billing  Cycle  in  which  an  Interest  Charge  of  less  than  $1  would  otherwise  be 
imposed.  
A.  Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to 
your Revolving Balance is 1.9% (corresponding APR 22.8%) (“Interest Rate”).
B.  How  We  Calculate  Average  Daily  Balance  Subject  to  Periodic  Interest 
Charges.  To get the Average Daily Balance for your Revolving Balance, we first must 
determine the daily balance for your Revolving Balance. To get the daily balance, we 
take the beginning Revolving Balance of your Account each day. Then we subtract 
any payments or credits applied to your Revolving Balance, and any unpaid Interest 
Charges.  We  add  to  that  amount  any  new  Regular  Credit  Plan  transactions,  Late 
Payment Fees, credit insurance, debt cancellation charges and other Account fees 
and administrative charges. We then add up all the daily balances and divide by the 
number of days in the Billing Cycle. This gives us the Average Daily Balance for your 
Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges, 
that is, we do not compound Interest Charges.
C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on 
each purchase from the later of (a) the date of the transaction or (b) the first day of 
the Billing Cycle in which the transaction posts to your Account. However, we do not 
assess Interest Charges in the following circumstances:

1.  If you paid the New Balance at the beginning of your previous Billing Cycle 
by the Payment Due Date during that previous Billing Cycle (or if that New 
Balance was $0 or a credit balance), then:
•	

if	you	pay	the	New	Balance	on	your	current	Monthly	Statement	in	full	by	
the Payment Due Date in your current Billing Cycle, we will not impose 
Interest Charges on Purchases during your current Billing Cycle, and 
if	you	make	a	payment	that	is	less	than	the	New	Balance	by	the	Payment	
Due Date in your current Billing Cycle, we will credit that payment as of 
the first day in your current Billing Cycle.

•	

2.  If  you  had  a  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle 
and  you  did  not  pay  that  New  Balance  by  the  Payment  Due  Date  during 
that previous Billing Cycle, then we will not charge Interest Charges on any 
Purchases during the current Billing Cycle if you pay the New Balance at the 
beginning  of  your  current  Billing  Cycle  by  the  Payment  Due  Date  in  your 
current Billing Cycle.

12.  FEES.
A.  Late  Payment  Fee.  If  we  do  not  receive  at  least  the  Minimum  Payment  Due 
by 5:00 p.m. Eastern Time on your Payment Due Date we may add to your Account 
a Late Payment Fee of $15 if your New Balance is less than $100, $25 if your New 
Balance is $100 or more, and $35 if your New Balance is $100 or more and you did 
not make at least the Minimum Payment by the Payment Due Date in each of the six 
prior Billing Cycles. However, the Late Payment Fee will never exceed the amount of 
your required Minimum Payment to which the Late Payment Fee relates.  Any Late 
Payment Fee assessed will be added to the Revolving Balance on your Account.

B.  Returned  Payment  Fee.  If  your  payment  check,  ACH,  electronic  debit  or 
other instrument is dishonored by your bank or must be returned for any reason, 
we will add a Returned Payment Fee of $25, or $35 if you had a returned payment 
in  any  of  the  6  prior  Billing  Cycles,  to  the  Revolving  Balance  of  your  Account.  
However, the Returned Payment Fee will never exceed the amount of your most 
recent required Minimum Payment.
C.  ACH Service Fee. Each time you ask a customer service representative to 
assist you in making an expedited automated payment from your bank account 
(i.e.  an  automated  clearinghouse  or  "ACH"  transaction),  when  permissible,  we 
may add a service fee to the Revolving Balance of your Account.  The amount of 
the fee will be disclosed at the time you request the service.  
13.  DEFAULT. Your Account will be in default if you fail to do something that this 
Agreement requires of you, subject to any restrictions under applicable law.  If 
that happens, we may tell you to pay us immediately everything you owe under 
the Account and applicable law. We will tell you in advance and/or give you an 
opportunity to cure your default only if applicable law requires us to do so. 
14.  LOST  OR  STOLEN  CARD  OR  IDENTITY  THEFT.  If  you  notice  the  loss  or 
theft of your credit card or a possible unauthorized use of your card (including 
suspected  identity  theft),  you  should  write  to  us  immediately  at  CFNA,  BK-11/
Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us at 800-
321-3950.  You will not be liable for any unauthorized use that occurs after you 
notify us.  You may, however, be liable for unauthorized use that occurs before 
your notice to us.  In any case, your liability will not exceed $50.
15.  HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may 
cancel your Account at any time. Cut each Card in half and send us the pieces with 
a letter telling us you want to cancel your Account. This includes each Card you 
gave to others. Send us the letter and Card pieces at the address shown on your 
Statement. You still must pay the full amount you owe us.
16.  WE  HAVE  THE  RIGHT  TO  CANCEL  YOUR  ACCOUNT.  We  may  cancel  your 
Account and Cards at any time for any reason. Any Card issued for your Account 
must be cut in half and the pieces sent to us if we ask. This includes each Card 
you gave to others. You cannot use a Card after we ask you to return it. You still 
must pay the full amount you owe us, and this Agreement will continue to apply 
to any unpaid balance.
17.  CREDIT  AUTHORIZATIONS.  We  will  authorize  all  Account  purchases  in 
advance. A merchant may ask you to provide identification. We may not be able 
to authorize a transaction, even if you have sufficient available credit, for example 
if our authorization system is not working or if we suspect possible fraud. We 
will not be liable to you if this occurs. We may not authorize a transaction if your 
Account is over your Credit Limit or delinquent; if we authorize such a transaction, 
we do not consider it to be an increase in your Credit Limit. We are not responsible 
if any merchant refuses to accept or honor your Credit Card.
18.  CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us 
to investigate your credit record. You agree that a credit report may be requested 
in connection with the processing of an application for credit, and subsequently 
in connection with any extension of credit, or any consideration of an increase to 
your credit limit, or any renewal or update of your Account, or to take collection 
action on the Account, or to investigate disputes regarding the Account. You also 
authorize us to furnish information concerning the status and payment history of 
your Account to credit bureaus and other creditors. If you believe that we have 
reported  inaccurate  information  about  you  to  a  credit  reporting  agency,  please 
contact us at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio  
44181-0315. In doing so, please provide your Account number, name, address, 
phone number, any other supporting documentation and specify the inaccurate 
information and tell us why you believe it is incorrect. If you have a copy of the 
credit report that includes the inaccurate information, please send a copy of that 
report to us as well. 
19.  PHONE CALLS. You authorize us, or our servicers, assignees, or third party 
debt collectors to contact you by telephone about your Account. You agree that we 
may call you about your Account using an automatic dialing - announcing device 
and that these calls will not be "unsolicited" calls for purposes of state or federal 
law.  You understand and agree that by providing us with a wireless telephone 
number, you consent to receiving autodialed and prerecorded message calls from 
us or our servicers, assignees, or third party debt collector at that number. From 
time to time, we may monitor and/or record telephone calls between you and us 
to assure the quality of our customer service. You agree that monitoring and/or 
recording may be done and that no additional notice to you or additional approval 
from you is needed.
20.  GOVERNING  LAW.  This  Agreement  and  your  Account  are  governed  by 
federal  law  applicable  to  a  national  bank  and,  to  the  extent  not  preempted  by 

2

3

federal  law,  the  laws  of  Ohio,  without  regard  to  its  conflicts  of  law  provisions. 

This  is  the  law  we  mean  when  we  refer  in  this  Agreement  to  a  term  that  may 

be permitted or required by applicable law. We have accepted this Agreement in 

Ohio.

dispute.  

21.  RESPONSIBILITY  FOR  GOODS  AND  SERVICES.  We  are  not  responsible 

for the goods and services purchased with the Credit Card. You agree to settle 

all  disputes  arising  from  purchases  directly  with  the  merchant  who  honored 

the Credit Card and, except as required by applicable law, to pay us all amounts 

required by this Agreement despite such disputes.  You agree to notify us within 

30  days  after  the  occurrence  of  an  event  giving  rise  to  a  product  or  service 

22.  WAIVER. We may, at our discretion from time to time without notice, waive 

any of our rights under this Agreement in certain circumstances. We can waive 

our  rights  without  affecting  our  other  rights.  If  we  waive  any  right,  we  do  not 

waive the same right in other circumstances or at other times.

23.  SEVERABILITY. If any provision of this Agreement is finally determined to 

be unenforceable under any law, rule, or regulation, all other provisions of this 

Agreement will still be valid and enforceable.

24.  ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account 

or any interest we hold in your Account without notice to you. You may not sell, 

assign or transfer your Account.

25.  CHANGE IN TERMS. We may change the terms of this Agreement at any time, 

and we may add or delete terms in this Agreement.  These changes may include, 

for example, Interest Charge rates, fees and this Change in Terms provision.  We 

will give you notice of any change as required by applicable law. Any change will 

apply on and after its effective date to new transactions and existing balances on 

your Account, except as limited by applicable law.  

26.  DEBT CANCELLATION. Your purchase of any debt cancellation product that 

we offer is optional. Whether or not you purchase this product does not affect our 

decisions about your credit.  The Debt Cancellation Terms of any debt cancellation 

product that we offer and you elect to purchase, and any other related disclosures, 

are provided separately from this Agreement.

27.  ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" 

and "our" refer to Credit First National Association, its parents, wholly or majority 

owned  subsidiaries,  affiliates,  predecessors,  successors,  assigns,  employees, 

officers and directors. If either you or we choose arbitration, neither you nor we 

will  have  the  right  to  litigate  that  claim  in  court  or  to  have  a  jury  trial  on  that 

claim,  or  to  engage  in  pre-arbitration  discovery,  except  as  provided  for  in  the 

arbitration rules of the American Arbitration Association (“AAA”). In addition, you 

will not have the right to participate as a representative or member of any class 

of claimants related to any claim subject to arbitration. The arbitrator's decision 

will generally be final and binding. Other rights that you would have if you went 

to court may also not be available in arbitration. It is important that you read the 

entire arbitration provision carefully before accepting the terms of this Agreement. 

A  "Claim"  is  any  pre-existing,  present,  or  future  claim,  dispute,  or  controversy 

of  any  kind  (including  but  not  limited  to  constitutional,  statutory,  regulatory, 

common law, contract, tort and equitable claims) arising from or relating to (a) 

the credit offered or provided to you or requested by you, (b) the actions of you, 

us or third parties, or (c) the validity or meaning of this arbitration provision and 

every other provision in this Agreement.  

You agree that either you or we can choose to have any Claim resolved by binding 

arbitration. You and we acknowledge that each waives the right or opportunity 

to litigate a Claim in a court of law, and that each agrees to resolve any Claims 

arising out of this Agreement through binding arbitration. This Section does not 

apply to any of our regular Account collection efforts.  If this Section (or any part 

of it) is determined invalid or illegal under any applicable statute or rule of law, it 

will be deemed omitted without affecting any other provisions of this Agreement, 

which shall remain in full force and effect.

There shall be no authority for any Claims to be arbitrated on a class action 

basis. An arbitration can only decide our or your Claim and may not consolidate 

or join the claims of other persons who may have similar claims. 

Any arbitration will be conducted in accordance with the AAA’s rules applicable 

to  consumer  disputes.    For  additional  information  go  to:  http://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  the  first  $250  of 

the filing and hearing fees for any Claim you may file against us; the arbitrator 

will  decide  whether  we  or  you  will  ultimately  pay  those  fees.  This  arbitration 

agreement  is  made  pursuant  to  a  transaction  involving  interstate  commerce  

and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. 

(continued on page 4)

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N

 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
RETAILER – SEND THIS COMPLETED APPLICATION TO:

CREDIT FIRST NATIONAL ASSOCIATION  

BK-14/AUTHORIZATION

P.O. BOX 81083

 CLEVELAND, OHIO 44181-0083

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

•	 Credit	Card	or	Card	-	each	credit	card	we	issue	to	you	or	a	person	any	of	you	

9.  CREDIT PLANS. 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and 

authorizes to use the Account.

record information that identifies each person who opens a new 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 your driver’s license or other identifying 

documents.

CREDIT CARD AGREEMENT

INTEREST RATES AND INTEREST CHARGES

  Annual Percentage Rate (APR) 

  for Purchases 

22.8%

  How to Avoid Paying Interest  

Your  due  date  is  at  least  23  days  after  the  close  of  each 

Billing  Cycle.  We  will  not  charge  you  interest  on  purchases   

if  you  pay  your  entire  balance  by  the  Payment  Due  Date   

each month.

  Minimum Interest Charge  

If you are charged interest, the charge will be no less than $1.

  For Credit Card Tips from the 

To learn more about factors to consider when applying for or using

  Consumer Financial Protection 

a credit card, visit the website of the Consumer Financial Protection 

Bureau at http://www.consumerfinance.gov/learnmore

  Bureau 

  FEES

  Annual Fee 

  Penalty Fees  

  •	 Late	Payment	Fee 

None 

Up to $15 if your New Balance is less than $100; 

Up to $35 if your New Balance is $100 or more

  •	 Returned	Payment	Fee 

Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement below.

We may change APR, Fees, and other terms at any time and for any reason in accordance with this Credit Card Agreement and applicable law.

The information about costs of the card described in this application is accurate as of April 1, 2012. This information may have changed after that date. To find out what may 

have changed, please write us at: Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.

READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR SUBMIT YOUR ELECTRONIC CONSENT

This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First 

complete,  and  CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports 

National Association, a national banking association located at 6275 Eastland Road, 

about  you  from  consumer  reporting  agencies  in  considering  this  application  and 

Brook Park, Ohio 44142 (“CFNA”).  This Agreement governs the use of your credit 

subsequently for the purpose of any update, review, renewal or extension of credit, 

card account with us (“Account”) and includes the following “Related Documents”: 

or reviewing or collecting the Account.  You understand and agree that by providing 

•	 Application	 -	 The	 application	 or	 solicitation	 you	 signed	 or	 otherwise	

submitted to request the Account; 

•	 Card	Carrier	-	The	card	carrier	we	send	with	the	credit	card	or	cards	we	issue	

to you;

•	 Promotional	Credit	Plan	Terms	-	Any	special	terms	we	provide	to	you	if	you	

make a purchase under a special promotional plan; and

•	 Debt	 Cancellation	 -	 The	 terms	 and	 conditions	 of	 any	 debt	 cancellation	

product that you purchase in connection with your Account.

The  Related  Documents  are  incorporated  by  reference  into  this  Agreement.    Your 

handwritten, electronic or digital signature on any document you sign in connection 

with the use of your card or Account is part of this Agreement.  These documents 

include,  but  are  not  limited  to,  your  card,  Application  or  any  accepted  sales  slip.  

Participating merchants that may honor your card are not a party to this Agreement.  

Please read this Agreement and keep it for your records.  

AUTHORIZATION

By  signing  the  application,  signature  capture  device  or  through  your  electronic 

consent, you certify to each of the following statements:  You have read and agree to 

the terms and conditions set forth in this document. You are applying to Credit First 

National Association (CFNA) for a credit card with a credit limit up to the amount 

for which you qualify.  The application information you provided is true, correct and 

CFNA  with  a  wireless  telephone  number,  you  consent  to  receiving  autodialed  and 

prerecorded  message  calls  from  CFNA  or  its  servicers,  its  assignees,  or  its  third 

party debt collectors at this number.  You understand that if CFNA approves your 

application, CFNA will issue a card and extend credit to you from its offices in Ohio. 

You agree to be bound by the terms set forth in the Agreement.  You also understand 

that  the  Agreement  includes  an  Arbitration  Section  that  allows  you  or  CFNA  to 

resolve by arbitration claims arising from or related to the Agreement and your 

Account  through  the  American  Arbitration  Association.    The  Arbitration  Section 

will prevent you and CFNA from having claims resolved by a judge or jury and 

prevent  you  from  participating  as  a  representative  or  member  of  any  class  of 

claimants for claims subject to arbitration.  Other rights available in court may 

also not be available in arbitration.  You can reject the Arbitration Section within 

30 days after CFNA opens your Account as explained in the Agreement.

By  submitting  your  application,  you  acknowledge  that  you  have  read,  understood 

and received a copy of this document and if approved for credit by CFNA, agree to be 

bound by the terms set forth in this document.  

1.  DEFINITIONS. 

•	 You	and	your	-	each	person	who	requested	an	Account	approved	by	CFNA.

•	 We,	us	and	our	-	CFNA	or	any	person	or	entity	to	which	CFNA	sells	or	gives	

your Account.  

1

•	 Authorized	User	-	a	person	any	of	you	authorizes	to	use	the	Account	and	to	

whom we may issue a Card.

Other capitalized terms are defined in the Agreement.  Defined terms have the same 

meaning when used in your monthly billing statement (“Statement”).  

2.  YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise 

to  do  everything  this  Agreement  requires  of  you.  For  joint  Accounts,  each  of  you 

promises to do everything this Agreement requires. You specifically promise to pay 

all  amounts  owed  because  of  transactions  made  on  your  Account  by  any  of  you 

and  any  Authorized  User.  You  will  be  bound  by  this  Agreement  when  you  submit 

an  Application  that  is  approved  by  us,  sign  a  sales  slip  using  the  Card,  or  use  or 

permit someone else to use credit provided through the Card or Account. You will 

use the Card only for personal, family, or household purposes, and not for business, 

commercial, or agricultural purposes.  You agree that at any time for any reason we 

may reissue a Card to you and/or may ask you to return any or all Cards.

3.  CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount 

we allow you to owe us at any time.  If you exceed any credit limit that we have set 

for your Account, we can still charge you for all transactions, Interest Charges and 

other  charges  (“Finance  Charges”)  without  giving  up  any  of  our  rights  under  this 

Agreement.  We may increase or decrease your Credit Limit at any time at our option.  

The reasons for changes may include, for example, your credit history with us, your 

default under this Agreement (see Section 13 below), fraud prevention or changes to 

this credit card program or CFNA policy. 

4.  MONTHLY  STATEMENTS;  BILLING  CYCLES.    We  will  send  you  a  Statement 

at the end of each Billing Cycle in which (a) your Account has a balance of $1 or 

more, (b) an Interest Charge is imposed or (c) applicable law requires us to send 

a  Statement.  We  send  only  one  Statement  for  your  Account  each  month.  Each 

Statement will show, among other things, the date on which the most recent Billing 

Cycle ended (the “Statement Closing Date” of the Billing Cycle), Previous Balance, 

Payments  and  Credits,  Transactions,  Interest  Charges,  other  Fees  and  Charges, 

Payment Due Date, New Balance and Minimum Payment Due. A Billing Cycle means 

the days between Statement Closing Dates. 

5.  YOUR ADDRESS.  We will consider your current address and state of residence 

to be the same as the billing address we maintain in our records. You agree to notify 

us of any change in your name, residence, or billing address by writing to us at the 

address  shown  on  your  Statement.  Any  notices  required  by  law  shall  be  deemed 

received if mailed to your current address. 

6.  PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at 

any time without penalty. You must pay us at least the Minimum Payment Due for 

each Billing Cycle by the Payment Due Date shown on your Statement. The Minimum 

Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance 

(rounded  up  to  the  nearest  whole  dollar)  plus  all  past  due  amounts  and  any  Late 

Payment Fee, Returned Payment Fee, or unpaid ACH Service Fee incurred during the 

previous Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay your 

Account balance in full). The New Balance used to determine your Minimum Payment 

Due includes Regular Credit Plan transactions and Promotional Credit Plan balances 

(see Section 9 below for a description of Credit Plans). 

7.  SKIP-PAYMENT OPTION. At our sole option, we may allow you to skip payment 

of the Minimum Payment Due for a certain Billing Cycle. During any Skip-Payment 

period, Interest Charges will continue to accumulate on the unpaid balance of your 

Account, but no Late Payment Fee will be assessed. At the end of any Skip-Payment 

period, the Minimum Payment terms of this Agreement that would have applied were 

it not for the Skip-Payment feature, will automatically resume. Taking advantage of 

the  Skip-Payment  option  will  not  extend  the  Delay  Period  for  special  Promotional 

Credit Plans.

8. 

  METHODS  OF  PAYMENT.  Payments  received  at  CFNA  by  5:00  p.m.  Eastern 

Time on a business day are credited to your Account as of that day. You may pay your 

Account by mail, by telephone or on-line.  If paying by mail, send your personal check 

or money order, payable in U.S. dollars, to Credit First N.A. at the payment address 

shown on your Statement. Include your payment stub and do not send cash. You 

agree not to send us any check marked "payment in full" or with similar terms or other 

conditions. If you do, the check must be sent to our Dispute Resolution Department 

at a separate address for Inquiries specified on your Statement. We can accept such 

checks or late or partial payments without losing our right to receive the full amount 

owing  on  your  Account.    If  paying  by  telephone,  utilize  our  automated  payment 

system at 800-321-3950.  If paying on-line, log on to www.CFNA.com.  Follow all of 

the instructions for making a payment specified on your Statement.  Any payment 

that does not conform to these requirements may not be credited to your Account for 

up to five days, or may be rejected.

A.  Regular Credit Plan. You may use your Account for transactions that may or 
may not be subject to Promotional Credit Plan terms. Any balance of transactions not 
subject to Promotional Credit Plan terms will be part of your Regular Credit Plan and 

treated as your “Revolving Balance.” 

B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit 
Plans. Any Promotional Credit Plan may apply for a limited period of time. Our rights 
and  your  responsibilities  will  change  if  you  make  a  qualifying  purchase  under  a 
Promotional Credit Plan. If you participate, the applicable Promotional Credit Plan 
terms will be given to you in a separate document. Promotional Credit Plan terms 
temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and 
all other terms of this Agreement remain unchanged. Any temporary modification of 
Agreement terms for Promotional Credit Plans will not limit or affect any other rights 

we have under this Agreement or applicable law.

10.  APPLICATION  OF  PAYMENTS.  We  apply  payments  first  to  previously  billed 
Interest  Charges;  then  to  your  purchases.  The  application  of  payments  may  be 
amended by Promotional Credit Terms. Except as otherwise prohibited, we will apply 
payments  equal  to  or  less  than  the  required  Minimum  Payment  amount  and  any 
credits to balances on your Account in a way that is deemed appropriate by us. We 
will also follow the requirements of applicable law when allocating your payments.   
11.  INTEREST  CHARGES.  We  will  calculate  periodic  Interest  Charges  on  your 
Account  for  each  Billing  Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic 
Interest  Rate”)  by  the  Average  Daily  Balance  (including  new  transactions)  on 
your  Account.  A  Periodic  Interest  Rate  is  one-twelfth  of  its  corresponding  Annual 
Percentage Rate (“APR”). We will charge you a minimum Interest Charge of $1 for 
any  Billing  Cycle  in  which  an  Interest  Charge  of  less  than  $1  would  otherwise  be 

imposed.  

A.  Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to 
your Revolving Balance is 1.9% (corresponding APR 22.8%) (“Interest Rate”).
B.  How  We  Calculate  Average  Daily  Balance  Subject  to  Periodic  Interest 
Charges.  To get the Average Daily Balance for your Revolving Balance, we first must 
determine the daily balance for your Revolving Balance. To get the daily balance, we 
take the beginning Revolving Balance of your Account each day. Then we subtract 
any payments or credits applied to your Revolving Balance, and any unpaid Interest 
Charges.  We  add  to  that  amount  any  new  Regular  Credit  Plan  transactions,  Late 
Payment Fees, credit insurance, debt cancellation charges and other Account fees 
and administrative charges. We then add up all the daily balances and divide by the 
number of days in the Billing Cycle. This gives us the Average Daily Balance for your 
Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges, 

that is, we do not compound Interest Charges.

C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on 
each purchase from the later of (a) the date of the transaction or (b) the first day of 
the Billing Cycle in which the transaction posts to your Account. However, we do not 

assess Interest Charges in the following circumstances:

1.  If you paid the New Balance at the beginning of your previous Billing Cycle 
by the Payment Due Date during that previous Billing Cycle (or if that New 

Balance was $0 or a credit balance), then:

•	

•	

if	you	pay	the	New	Balance	on	your	current	Monthly	Statement	in	full	by	
the Payment Due Date in your current Billing Cycle, we will not impose 
Interest Charges on Purchases during your current Billing Cycle, and 
if	you	make	a	payment	that	is	less	than	the	New	Balance	by	the	Payment	
Due Date in your current Billing Cycle, we will credit that payment as of 

the first day in your current Billing Cycle.

2.  If  you  had  a  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle 
and  you  did  not  pay  that  New  Balance  by  the  Payment  Due  Date  during 
that previous Billing Cycle, then we will not charge Interest Charges on any 
Purchases during the current Billing Cycle if you pay the New Balance at the 
beginning  of  your  current  Billing  Cycle  by  the  Payment  Due  Date  in  your 

current Billing Cycle.

12.  FEES.

A.  Late  Payment  Fee.  If  we  do  not  receive  at  least  the  Minimum  Payment  Due 
by 5:00 p.m. Eastern Time on your Payment Due Date we may add to your Account 
a Late Payment Fee of $15 if your New Balance is less than $100, $25 if your New 
Balance is $100 or more, and $35 if your New Balance is $100 or more and you did 
not make at least the Minimum Payment by the Payment Due Date in each of the six 
prior Billing Cycles. However, the Late Payment Fee will never exceed the amount of 
your required Minimum Payment to which the Late Payment Fee relates.  Any Late 
Payment Fee assessed will be added to the Revolving Balance on your Account.

B.  Returned  Payment  Fee.  If  your  payment  check,  ACH,  electronic  debit  or 
other instrument is dishonored by your bank or must be returned for any reason, 
we will add a Returned Payment Fee of $25, or $35 if you had a returned payment 
in  any  of  the  6  prior  Billing  Cycles,  to  the  Revolving  Balance  of  your  Account.  
However, the Returned Payment Fee will never exceed the amount of your most 
recent required Minimum Payment.
C.  ACH Service Fee. Each time you ask a customer service representative to 
assist you in making an expedited automated payment from your bank account 
(i.e.  an  automated  clearinghouse  or  "ACH"  transaction),  when  permissible,  we 
may add a service fee to the Revolving Balance of your Account.  The amount of 
the fee will be disclosed at the time you request the service.  
13.  DEFAULT. Your Account will be in default if you fail to do something that this 
Agreement requires of you, subject to any restrictions under applicable law.  If 
that happens, we may tell you to pay us immediately everything you owe under 
the Account and applicable law. We will tell you in advance and/or give you an 
opportunity to cure your default only if applicable law requires us to do so. 
14.  LOST  OR  STOLEN  CARD  OR  IDENTITY  THEFT.  If  you  notice  the  loss  or 
theft of your credit card or a possible unauthorized use of your card (including 
suspected  identity  theft),  you  should  write  to  us  immediately  at  CFNA,  BK-11/
Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us at 800-
321-3950.  You will not be liable for any unauthorized use that occurs after you 
notify us.  You may, however, be liable for unauthorized use that occurs before 
your notice to us.  In any case, your liability will not exceed $50.
15.  HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may 
cancel your Account at any time. Cut each Card in half and send us the pieces with 
a letter telling us you want to cancel your Account. This includes each Card you 
gave to others. Send us the letter and Card pieces at the address shown on your 
Statement. You still must pay the full amount you owe us.
16.  WE  HAVE  THE  RIGHT  TO  CANCEL  YOUR  ACCOUNT.  We  may  cancel  your 
Account and Cards at any time for any reason. Any Card issued for your Account 
must be cut in half and the pieces sent to us if we ask. This includes each Card 
you gave to others. You cannot use a Card after we ask you to return it. You still 
must pay the full amount you owe us, and this Agreement will continue to apply 
to any unpaid balance.
17.  CREDIT  AUTHORIZATIONS.  We  will  authorize  all  Account  purchases  in 
advance. A merchant may ask you to provide identification. We may not be able 
to authorize a transaction, even if you have sufficient available credit, for example 
if our authorization system is not working or if we suspect possible fraud. We 
will not be liable to you if this occurs. We may not authorize a transaction if your 
Account is over your Credit Limit or delinquent; if we authorize such a transaction, 
we do not consider it to be an increase in your Credit Limit. We are not responsible 
if any merchant refuses to accept or honor your Credit Card.
18.  CREDIT INVESTIGATION AND CREDIT REPORTS. You hereby authorize us 
to investigate your credit record. You agree that a credit report may be requested 
in connection with the processing of an application for credit, and subsequently 
in connection with any extension of credit, or any consideration of an increase to 
your credit limit, or any renewal or update of your Account, or to take collection 
action on the Account, or to investigate disputes regarding the Account. You also 
authorize us to furnish information concerning the status and payment history of 
your Account to credit bureaus and other creditors. If you believe that we have 
reported  inaccurate  information  about  you  to  a  credit  reporting  agency,  please 
contact us at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio  
44181-0315. In doing so, please provide your Account number, name, address, 
phone number, any other supporting documentation and specify the inaccurate 
information and tell us why you believe it is incorrect. If you have a copy of the 
credit report that includes the inaccurate information, please send a copy of that 
report to us as well. 
19.  PHONE CALLS. You authorize us, or our servicers, assignees, or third party 
debt collectors to contact you by telephone about your Account. You agree that we 
may call you about your Account using an automatic dialing - announcing device 
and that these calls will not be "unsolicited" calls for purposes of state or federal 
law.  You understand and agree that by providing us with a wireless telephone 
number, you consent to receiving autodialed and prerecorded message calls from 
us or our servicers, assignees, or third party debt collector at that number. From 
time to time, we may monitor and/or record telephone calls between you and us 
to assure the quality of our customer service. You agree that monitoring and/or 
recording may be done and that no additional notice to you or additional approval 
from you is needed.
20.  GOVERNING  LAW.  This  Agreement  and  your  Account  are  governed  by 
federal  law  applicable  to  a  national  bank  and,  to  the  extent  not  preempted  by 

2

3

federal  law,  the  laws  of  Ohio,  without  regard  to  its  conflicts  of  law  provisions. 
This  is  the  law  we  mean  when  we  refer  in  this  Agreement  to  a  term  that  may 
be permitted or required by applicable law. We have accepted this Agreement in 
Ohio.
21.  RESPONSIBILITY  FOR  GOODS  AND  SERVICES.  We  are  not  responsible 
for the goods and services purchased with the Credit Card. You agree to settle 
all  disputes  arising  from  purchases  directly  with  the  merchant  who  honored 
the Credit Card and, except as required by applicable law, to pay us all amounts 
required by this Agreement despite such disputes.  You agree to notify us within 
30  days  after  the  occurrence  of  an  event  giving  rise  to  a  product  or  service 
dispute.  
22.  WAIVER. We may, at our discretion from time to time without notice, waive 
any of our rights under this Agreement in certain circumstances. We can waive 
our  rights  without  affecting  our  other  rights.  If  we  waive  any  right,  we  do  not 
waive the same right in other circumstances or at other times.
23.  SEVERABILITY. If any provision of this Agreement is finally determined to 
be unenforceable under any law, rule, or regulation, all other provisions of this 
Agreement will still be valid and enforceable.
24.  ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account 
or any interest we hold in your Account without notice to you. You may not sell, 
assign or transfer your Account.
25.  CHANGE IN TERMS. We may change the terms of this Agreement at any time, 
and we may add or delete terms in this Agreement.  These changes may include, 
for example, Interest Charge rates, fees and this Change in Terms provision.  We 
will give you notice of any change as required by applicable law. Any change will 
apply on and after its effective date to new transactions and existing balances on 
your Account, except as limited by applicable law.  
26.  DEBT CANCELLATION. Your purchase of any debt cancellation product that 
we offer is optional. Whether or not you purchase this product does not affect our 
decisions about your credit.  The Debt Cancellation Terms of any debt cancellation 
product that we offer and you elect to purchase, and any other related disclosures, 
are provided separately from this Agreement.
27.  ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" 
and "our" refer to Credit First National Association, its parents, wholly or majority 
owned  subsidiaries,  affiliates,  predecessors,  successors,  assigns,  employees, 
officers and directors. If either you or we choose arbitration, neither you nor we 
will  have  the  right  to  litigate  that  claim  in  court  or  to  have  a  jury  trial  on  that 
claim,  or  to  engage  in  pre-arbitration  discovery,  except  as  provided  for  in  the 
arbitration rules of the American Arbitration Association (“AAA”). In addition, you 
will not have the right to participate as a representative or member of any class 
of claimants related to any claim subject to arbitration. The arbitrator's decision 
will generally be final and binding. Other rights that you would have if you went 
to court may also not be available in arbitration. It is important that you read the 
entire arbitration provision carefully before accepting the terms of this Agreement. 
A  "Claim"  is  any  pre-existing,  present,  or  future  claim,  dispute,  or  controversy 
of  any  kind  (including  but  not  limited  to  constitutional,  statutory,  regulatory, 
common law, contract, tort and equitable claims) arising from or relating to (a) 
the credit offered or provided to you or requested by you, (b) the actions of you, 
us or third parties, or (c) the validity or meaning of this arbitration provision and 
every other provision in this Agreement.  
You agree that either you or we can choose to have any Claim resolved by binding 
arbitration. You and we acknowledge that each waives the right or opportunity 
to litigate a Claim in a court of law, and that each agrees to resolve any Claims 
arising out of this Agreement through binding arbitration. This Section does not 
apply to any of our regular Account collection efforts.  If this Section (or any part 
of it) is determined invalid or illegal under any applicable statute or rule of law, it 
will be deemed omitted without affecting any other provisions of this Agreement, 
which shall remain in full force and effect.
There shall be no authority for any Claims to be arbitrated on a class action 
basis. An arbitration can only decide our or your Claim and may not consolidate 
or join the claims of other persons who may have similar claims. 
Any arbitration will be conducted in accordance with the AAA’s rules applicable 
to  consumer  disputes.    For  additional  information  go  to:  http://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  the  first  $250  of 
the filing and hearing fees for any Claim you may file against us; the arbitrator 
will  decide  whether  we  or  you  will  ultimately  pay  those  fees.  This  arbitration 
agreement  is  made  pursuant  to  a  transaction  involving  interstate  commerce  
and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. 

(continued on page 4)

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The arbitrator shall apply applicable substantive law consistent with the Federal 
Arbitration Act and applicable statutes of limitations, and shall honor claims of 
privilege recognized at law. This arbitration provision shall survive repayment of 
your extension of credit and termination of your Account. 
Judgment  upon  the  award  may  be  entered  in  any  court  of  law  of  competent 
jurisdiction. 
You can reject this Arbitration Section if you write to us within 30 days after 
we open your Account.  Send a letter that you do not agree to the Arbitration 
Section.  The letter must include your name, address and Account number. Mail 
the letter to CFNA, BK-12/Legal, P.O. Box 81315, Cleveland, Ohio 44181-0315.  
This  is  the  only  way  you  can  reject  the  Arbitration  Section.  If  you  reject  the 
Arbitration Section, all other parts of this Agreement still apply to your Account.    
28.  ENTIRE  AGREEMENT.  This  Agreement,  including  the  Related  Documents 
incorporated by reference into it, is the entire agreement between you and us 
relating to your Account. This Agreement replaces any other agreement relating 
to your Account that you and we made earlier or at the same time. If any of the 
Related Documents has any information that is not the same as information in 
this Agreement, we will follow this Agreement unless the other document says 
we should follow that document. 
SIGNATURES. Your handwritten, electronic or digital signature on any document 
you  sign  in  connection  with  the  use  of  your  Card  or  Account  represents  your 
signature on this Agreement. 

Dean S. Miller
President
DATE: 04/1/2012
NOTICES:
California Residents:  If you are married, you may apply for a separate account.
New York Residents: Upon your request, you will be informed of whether or not 
a credit report was ordered, and if it was, you will be given the name and address 
of the consumer reporting agency that furnished the report.
Ohio Residents:  Ohio laws against discrimination require that all creditors make 
credit equally available to all credit worthy customers, and that credit reporting 
agencies maintain separate credit histories on each individual upon request.  The 
Ohio civil rights commission administers compliance with this law. 
Married Wisconsin Residents: No provision of any marital property  agreement,  
unilateral  statement  under  Section 766.59  of  the  Wisconsin  statutes  or  court  
order  under Section  766.70  adversely  affects  the  interest  of  CFNA, unless 
CFNA, prior to the time credit is granted is furnished a copy of the agreement, 
statement or decree or has actual knowledge of the adverse provision when the 
obligation to CFNA is incurred.
NJ  Residents:  Certain  provisions  of  this  Agreement  are  subject  to  applicable 
law.  As  a  result,  they  may  be  void,  unenforceable  or  inapplicable  in  some 
jurisdictions.  None  of  these  provisions,  however,  are  void,  unenforceable  or 
inapplicable in New Jersey.
YOUR  BILLING  RIGHTS  –  KEEP  THIS  DOCUMENT  FOR  FUTURE  USE.  This 
notice tells you about your rights and our responsibilities under the Fair Credit 
Billing Act.
What To Do If You Find A Mistake On Your Statement
If  you  think  there  is  an  error  on  your  statement,  write  to  us  at  CFNA,  BK-11/
Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. 
In your letter, give us the following information:

•	 Account information: Your name and account number.
•	 Dollar amount: The dollar amount of the suspected error.
•	 Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 
describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

•	 Within	60	days	after	the	error	appeared	on	your	statement.
•	 At	least	3	business	days	before	an	automated	payment	is	scheduled,	if	

you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you 
do we are not required to investigate any potential errors and you may have to 
pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
2.  Within 90 days of receiving your letter, we must either correct the error 

or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:

•	 We	 cannot	 try	 to	 collect	 the	 amount	 in	 question,	 or	 report	 you	 as	

delinquent on that amount.

•	 The	 charge	 in	 question	 may	 remain	 on	 your	 statement,	 and	 we	 may	

continue to charge you interest on that amount.

•	 While	 you	 do	 not	 have	 to	 pay	 the	 amount	 in	 question,	 you	 are	

responsible for the remainder of your balance.

•	 We	can	apply	any	unpaid	amount	against	your	credit	limit.
After we finish our investigation, one of two things will happen:

•	

•	

If we made a mistake: You will not have to pay the amount in question 
or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write 
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay.  If  you  do  so,  we 
cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been 
settled between us. If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 
the purchase. 
To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have been more than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 
2.  You must have used your credit card for the purchase. 
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  CFNA,  BK-11/Customer  Service,  P.O.  Box  81315, 
Cleveland, Ohio 44181-0315.
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.

4

CFNA 04/2012

CFNA 04/2012

FOR STORE USE ONLY

6 DIGIT NUMBER

     /      /           Y     N

ACCOUNT NUMBER

APPROVAL DATE

APPROVED

APPROVAL  NO.             OPER.  NO.                       LIMIT

APPLY 

TODAY!

CREDIT CARD APPLICATION

Applicant Information

*REQUIRED FIELDS 

Last Name*  

ENJOY THE BENEFITS OF BEING A CARDHOLDER:

✓  No Annual Fee

✓  Online statement and bill pay option at www.CFNA.com

✓  Special Offers exclusively for cardholders

WANT A BETTER  

WAY TO PAY?

           Legal First Name*  

                                    Mid. Initial*

Residential Street Address* 

          Apt No.        City*  

         State*                  Zip*

Mailing Address (if different than above) 

           City   

         State                   Zip

No. Years at Above Address     Previous Address (if at current address less than 1 year – Street, City, State, Zip)

Date of Birth* 

       Social Security Number* 

              Phone No.* 

                 Work Phone No.  

Annual gross income from ALL sources – SEE NOTE BELOW* 

$ 

           .00

Note: Current or reasonably expected salary, wages, bonuses, tips, commission, interest, dividends, annuities, social 

security, disability, public assistance, retirement benefits, rental income, alimony, child support, separate maintenance, 

or any other that you wish to be considered in our determination of your creditworthiness for repaying this debt.

Driver’s License Number  

           Issuing State 

         Verified by:  

Other Contact Phone No.  

           E-mail Address      

Authorized User Information

Persons who may use the account but are not responsible for repayment.

Last Name   

                      Legal First Name  

               Mid. Initial 

   Relationship

AUTHORIZATION AND SIGNATURE: As used below, “I,” “me” and “my” mean the person signing below and “CFNA” means Credit First National 

Association. By signing below, I certify that I have received, read, understood and agree to the terms and conditions set forth in this application 

(including the Credit Card Agreement) and:

complete, and CFNA may rely on it.

•	

I am applying to CFNA for a credit card with a credit limit up to the amount for which I qualify. The information I filled in is true, correct and 

•	

I authorize CFNA to obtain credit reports about me from consumer reporting agencies in considering this application and subsequently for the 

purpose of any update, review, renewal or extension of credit, or reviewing or collecting the account.

•	

I understand and agree that by providing CFNA with a wireless telephone number, I consent to receiving autodialed and prerecorded message 

calls from CFNA or its servicers, its assignees, or its third party debt collectors at this number.

•	

I understand that if CFNA approves my application, CFNA will issue a card and extend credit to me from its offices in Ohio. I agree to be bound 

by the terms set forth in the Credit Card Agreement.

•	

I also understand that the Agreement includes an Arbitration Section that allows me or CFNA to resolve by arbitration claims arising 

from or related to the Agreement and my account through the American Arbitration Association. The Arbitration Section will prevent 

me and CFNA from having claims resolved by a judge or jury and prevent me from participating as a representative or member of any 

class of claimants for claims subject to arbitration. Other rights available in court may also not be available in arbitration. I can reject 

the Arbitration Section within 30 days after CFNA opens my Account as explained in the Agreement.

RATE, FEE, AND OTHER COST INFORMATION ARE SET FORTH IN THE ACCOMPANYING IMPORTANT CREDIT CARD AGREEMENT

SIGN  

HERE: 

X

     Applicant’s Signature* 

 – APPLICATION WILL NOT BE PROCESSED WITHOUT REQUIRED SIGNATURE –

CFNA 04/2012

Date* 

Here’s a solution! 

See inside  

for credit card 

application.

Read important terms 

contained in the Credit 

Card Agreement and 

Privacy Notice.

Provide store associate 

with a valid drivers license 

or ID and current address.