Agreement for U.S. Bank National Association Visa® PremierLine Plus Line of Credit 
Accounts 
This credit card program is issued and administered by U.S. Bank National  Association. This information is accurate as  of March 31, 2018.  
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  See the Agreement 
that was provided for your Account and Card for more detailed information, including contact information. 

PRICING INFORMATION: Actual pricing will vary from one Cardmember to another 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Annual Percentage Rates for Purchases 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00 
(APR) 11.75% 
(DPR) 0.032192% 

Annual Percentage Rates for Balance Transfers 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 11.75% 
(DPR) 0.032192% 

Annual Percentage Rates for Cash Advances 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 11.75% 
(DPR) 0.032192% 

Penalty APR and When It Applies 
Paying Interest 

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Set Up and Maintenance Fees 

  Annual Fee 

Transaction Fees   

There is no Penalty Rate for your Account. 
Your due date is 24-30 days after the close of each billing cycle. 
There is no interest-free period. 
If you are charged interest, then the Minimum Interest Charge 
will be NONE. 
To  learn  more  about  factors  to  consider  when  applying  for  or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 
NOTICE:  Some  of  these  set-up  and  maintenance  fees  will  be 
assessed before you begin using your Card and based on your 
Credit Limit, your initial available credit will be less.  

You may still reject this Account, provided that you have not yet 
used it or paid a fee after receiving a billing statement. If you do 
reject  the  Account,  you  are  not  responsible  for  any  fees  or 
charges. 
NONE 

NONE   
  Balance Transfer Advance Fee  
NONE   
  Convenience Check Advance Fee 
  Financial Institution Cash Advance Fee   NONE   
  Cash Equivalent Advance Fee 

Either $20 or 4% of the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   

  Cash Advance Overdraft Protection Fee  NONE 
  Cash Advance ATM Fee 

  Foreign Transaction Fee 

Account Fees 

  Late Fee  
  Return Payment Fee  

Up to $38 
Up to $35 

Either $15 or 4% of the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   
Up to 3% of each foreign transaction amount. 

 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.  See 
the Agreement for more details. 

U.S. BANK NATIONAL ASSOCIATION 
P. O. Box 6352 
Fargo, ND  58125 

Account Agreement  

In 

This  is  an  agreement  and  disclosure  statement  (“Agreement”)  between  you  and  U.S 
Bank  National  Association  containing  the  terms  that  will  apply  to  your  Account 
this  Agreement,  “you”,  “your”  and 
(“Account”)  effective  March  31,  2018. 
“Accountholder”  means  each  individual  accepting  a  solicitation  or  applying  for  the 
Account or otherwise agreeing to be responsible for the Account.  “We”, “us”, “our”, and 
“the  Issuer”  means  U.S.  Bank  National  Association,  the  issuer  of  the  Card  and  your 
Account  creditor.    Please  read  this  Agreement  carefully  and  keep  it  in  a  safe place  to 
make  the  best  use  of  the  Account  and  credit  cards  we  may  issue  with  this  Account 
(“Card”).  The Agreement becomes effective as soon as you or someone authorized by 
you uses or activates the Card or Account. Even if the Card or Account has not been 
used  or  activated,  the  Agreement  becomes  effective  unless  you  contact  us  within  30 
days after you receive the Card by calling the number on the back of the Card to cancel 
your Account.  This web Agreement does not replace the Agreement that is provided with 
the Account and Card.    

This  Agreement  contains  an  arbitration  provision  (including  a  class  action 
arbitration  waiver).    It  is  important  that  you  read  the  entire  Arbitration  Provision 
section carefully. 

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT 

1.  Personal  Use:  You  may  use  the  Account  only  for  personal,  family  or  household 
purposes.  Federal  or  state  consumer  protection  laws  may  not  apply  if  you  use  the 
Account for other than personal, family or household purposes.  

2.  Expanded Account Access:  Any card or PIN issued to or selected by you under this 
Agreement will access multiple checking, savings, line of credit and credit card accounts 
in your name at U.S. Bank or any of its bank affiliates; and any Account opened under 
this Agreement may be accessed by any card(s) or PIN(s) that you have selected or that 
have been issued to you or may in the future be selected by you or issued to you by us 
or  our  bank  affiliates.    “Expanded  Account  Access”  means  use  of  a  card  or  account 
number and PIN to conduct a transaction or obtain information at ATMs or via telephone, 
personal computer banking, or any other available method. Expanded Account Access 
may  be  available  for  up  to  5  checking,  5  savings,  and  5  line  of  credit  or  credit  card 
accounts,  and  at  other  ATMs  and  with  other  available  methods  of  access,  other 
limitations may apply.  

3.  Purchases:    You  may  use  the  Account  to  buy,  lease  or  otherwise  obtain  goods  or 
services  from  participating  merchants  (including  transactions  you  initiate  by  mail, 
telephone  or  over  the  Internet),  or  take  advantage  of  special  promotional  Balance 
Transfer offers that post as Purchase transactions (“Purchases”).  We will, in connection 
with any promotional offer we make from time to time, provide information on your Card 
carrier  or  in  additional  materials  (the  “Offer  Materials”)  that  explain  whether  those 
transactions will post and be treated as a Purchase. Even if you have not signed a sales 
draft or the merchant has not supplied you with a written receipt or other proof of sale, 
you are responsible for all Purchases made through your Account, except as expressly 
limited by applicable law (see “Your Billing Rights” section below for more details).  

 4. Advances:   “Advances” are transactions other than Purchases that allow you direct 
access  to  funds  available  through  your  Account.    Advances  may  include  Account 
transactions  such  as  cash  advances  you  obtain  directly  from  us,  automated  teller 
machines  (“ATMs”)  or  other  participating  financial  institutions  (“Cash  Advances”).  ATM 
and financial institution Advances include phone (automated phone system and 24 Hour 
customer service assisted) and Internet transfers. Advances also include some Balance 
Transfers,  Convenience  Checks,  FastCash,  Overdraft  Protection  Advances  and  Cash 
Equivalent  Advances.    “Cash  Equivalent  Advances”  include  transactions  to  acquire  or 
initiate  wire  transfers,  travelers  checks,  cashier’s  checks,  money  orders,  foreign  cash 
transactions,  casino  gaming  and  betting  transactions  and  lottery  tickets.    Monthly 
Account  statements  we  issue  may  refer  to  Advances  as  an  Advance,  Cash,  Cash 
Advances,  or  by  the  product  or  device  you  used  to  obtain  an  Advance.    Refer  to  the 
Account Fees section for details on Advance Transaction Fees. 

5.  Advance  Limits:    Only  a  portion  of  the  Credit  Limit  (defined  below)  is  available  for 
Advances  and  that  portion  may  vary  from  time  to  time.  Although  you  may  have  credit 
available  under  your  Account,  we  may  be  unable  to  authorize  an  Advance.  You  may 
contact Cardmember Service to learn the portion of your Credit Limit which is available 
for Advances. 

6.  Checks  Issued  on  the  Account:    We  will  supply  Access  Checks  and  Convenience 
Checks  for  use  by  the  person(s)  or  drawer  named  on  those  checks  (collectively 
“Checks”).  These Checks are drafts that look like other checks, but are drawn on credit 
available  in  the  Account.  Checks  must  be  written  in  U.S.  Dollars.    We  will  honor  a 
properly signed Check provided your Account has available credit to cover the amount of 
the Check.  Access Checks are not subject to Advance fees.  From time to time, we may 
supply  you  with  Convenience  Checks.    We  will,  in  connection  with  any  Convenience 
Check  we  provide,  include  Offer  Materials  that  will  explain  whether  the  Convenience 
Check will post and be treated as an Advance or as a Balance Transfer.  We may also 
return a Check unpaid if:  
(a) the credit available under your Credit Limit is less than the Check amount;  
(b) the Account is in Default; or  
(c)  the  Check  is  improperly  endorsed  or  otherwise  fails  to  conform  to  our  regularly 
accepted standards for check payment.  
Checks  may  not  be  used  to  pay  your  Account  or  any  obligation  you  owe  us  or  our 
affiliates. 

7. Paying and Stopping Payment on Checks:  You must write to us or call to request that 
payment be stopped on a Check.  You must call us promptly with an oral stop payment 
request  and  then  provide  us  with  a  written  confirmation  of  the  stop  payment  request 
within  14  calendar  days.  Any  written  stop  payment  request  we  receive  will  remain  in 
effect for 6 months, unless you renew the request in writing before the end of that time. 
We may pay Checks more than 6 months old. There may be circumstances under which 
a Check must be paid, even if we have received a stop payment request from you. We 
will  not  be  liable  to  you  if  we  do  not  honor  your  stop  payment  request  under  those 
circumstances. If it is determined that a Check should have been paid, but was not, we 
will  not  be  liable  for  any  consequential,  punitive  or  incidental  damages  if  we  acted  in 
good faith. Our only obligation under those circumstances will be to pay the designated 
payee the amount of the Check and cancel any charges assessed against your Account 
as a result of any wrongful failure to honor the Check.  

8. Balance Transfers: We may permit you to transfer balances and obligations that you 
owe other companies or financial institutions to your Account, subject to the terms and 
conditions disclosed in the Offer Materials (“Balance Transfers”). Balance Transfers will 
post to  your  Account and be separately reflected on monthly Account statements as  a 
Balance Transfer, or, depending upon the offer, may post to the Account and be treated 
as a Purchase or an Advance.   We will, in connection with any Balance Transfer offer 
we make, provide you with materials that explain how the Balance Transfer will post to 
your  Account  and  be  reflected  on  monthly  Account  statements.  You  may  not  request 
Balance Transfers on  existing obligations you owe us or our affiliates. If you request a 
Balance Transfer that would cause  your Account to exceed its Credit Limit, we may, at 
our option, (a) post the entire Balance Transfer requested to your Account; (b) post only 
a portion of the Balance Transfer requested to your Account up to the amount of credit 
available under the Credit Limit; or (c) refuse to process the entire amount of the Balance 
Transfer requested.  

9. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have 
specifically  requested  and  have  obtained  an  Overdraft  Protection  Plan  by  linking  the 
Account with a designated U.S. Bank personal checking account ("checking account").  
An "Overdraft Protection Advance" is an advance of funds to your designated checking 
account from this Account that will help cover overdrafts on your checking account.  Any 
Overdraft Protection Advance will post and be charged interest as an Advance drawn on 
the Account.  Please refer to the U.S. Bank Deposit Account Agreement (entitled, "Your 
Deposit Account Agreement") for full Overdraft Protection Plan terms and the Consumer 
Pricing Information Brochure for fees that apply for Overdraft Protection Advances.  We 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
may  cancel  Overdraft  Protection  privileges  under  the  Account,  even  if  the  Account 
remains open for other purposes. 

INTEREST CHARGES AND ACCOUNT FEES 

10.  Account  INTEREST  CHARGES:    INTEREST  CHARGES  reflect  the  cost  of  credit. 
Your  total  INTEREST  CHARGE  for  any  billing  cycle  will  equal  the  amount  of  any  (a) 
periodic  rate  INTEREST  CHARGES  (sometimes  referred  to  as  “interest”  in  this 
Agreement and on monthly Account statements); (b) Advance Transaction Fees; and (c) 
any other transaction fees that are considered INTEREST CHARGES.  

11.  Interest  Rate:    In  this  Agreement,  we  have  abbreviated  the  terms  “daily  periodic 
rate” as DPR, “average daily balance” as ADB, and “ANNUAL PERCENTAGE RATE” 
as APR.  
(a) Standard Interest Rates-  
Rate  for  "Purchases"  and  "Balance  Transfers":  The  DPR  for  transactions  posting  as 
Purchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate for 
"Advances": The DPR and corresponding APR for transactions posting to the Account as 
Advances is equal to 1/365th of its corresponding APR.  

(b) Your Variable APRs are calculated by adding a margin to the Index. Your Variable 
DPR is equal to 1/365th of the corresponding APR. Your DPR and corresponding APR 
may increase or decrease from time to time according to the movements up or down of 
the  Index,  which  is  the  Prime  Rate  published  in  the  "Money  Rates"  section  of  the 
Midwest Edition of The Wall Street Journal on the last publication day before the date on 
which the billing cycle closed (in other words, the "statement date"). We reserve the right 
to choose a comparable new index if The Wall Street Journal ceases to publish a Prime 
Rate.  The  margin  is  the  percentage  we  add  to  the  Index  to  calculate  the  APR.  The 
current  applied  Index  value  for  your  Account  is  4.75%.    Any  variable  rate  adjustment 
based on a change to your margin will be effective as of the first day of the current billing 
cycle, and will apply to all new Account balances and transactions subject to that variable 
rate. Any variable rate adjustment based on a change to your Index will be effective as of 
the first day of the current billing cycle, and will apply to all new and outstanding Account 
balances and transactions subject to that variable rate. An increase or decrease to the 
Index or margin will apply to Purchase, Advance, and Balance Transfer balances and will 
result  in  an  increase  or  decrease  in  the  INTEREST  CHARGE  on  the  Account,  an 
increase or decrease to your Minimum Payment, and an increase or decrease to your 
New Balance. 

Introductory and  Promotional Rates:    We may, at our  option,  offer  you  for  a  limited 
time  introductory or promotional interest rates for all or part of new  Purchase, Advance, 
or Balance Transfers posted to your Account. We will tell you in the Offer Materials the 
introductory or promotional rate and the period of time during which that rate will be in 
effect and any conditions or requirements of the offer. Unless the Offer Materials state 
otherwise, an introductory or promotional rate will remain in effect until the last day of the 
billing  cycle  in  which  the  introductory  or  promotional  rate  expires.  Any  introductory  or 
promotional rate that applies to new or outstanding Account balances will increase to the 
standard rate that would otherwise apply, or, when appropriate under the terms of this 
Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).    

12. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate:  We 
calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying 
the applicable DPR by the ADB (including new transactions) of the Purchase, Advance 
and  Balance  Transfer  categories  subject  to  interest,  and  then  adding  together  the 
resulting  interest  from  each  category.  We  determine  the  ADB  separately  for  the 
Purchases,  Advances  and  Balance  Transfer  categories.  To  get  the  ADB  in  each 
category, we add together the daily balances in those categories for the billing cycle and 
divide  the  result  by  the  number  of  days  in  the  billing  cycle.  We  determine  the  daily 
balances  each  day  by  taking  the  beginning  balance  of  those  Account  categories 
(including  any  billed  but  unpaid  interest,  fees,  credit  insurance  and  other  charges), 
adding  any  new  interest,  fees,  and  charges,  and  subtracting  any  payments  or  credits 
applied  against  your  Account  balances  that  day.  We  add  a  Purchase,  Advance  or 
Balance  Transfer  to  the  appropriate  balances  for  those  categories  on  the  later  of  the 
transaction  date  or  the  first  day  of  the  statement  period.  Billed  but  unpaid  interest  on 
Purchases,  Advances  and  Balance Transfers  is  added  to  the  appropriate balances  for 
those  categories  each  month  on  the  statement  date.  Billed  but  unpaid  Advance 
Transaction Fees are added to the Advance balance of your Account on the date they 
are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance  
charges, and other charges are added to the Purchase balance of the Account on the 
date they are charged to the Account. Billed but unpaid fees on Balance Transfers are 
added to the Balance Transfer balance of the Account on the date they are charged to 
the Account. In other words, billed and unpaid interest, fees, and charges will be included  

in  the  ADB  of  your  Account  that  accrues  interest and will  reduce  the amount of  credit 
available  to  you.  Credit  insurance  charges  are not  included  in  the  ADB  calculation  for 
Purchases  until  the  first  day  of  the  billing  cycle  following  the date  the  credit  insurance 
premium is charged to the Account. Prior statement balances subject to an interest-free 
period that have been paid on or before the payment due date in the current billing cycle 
are not included in the ADB calculation.  As described above, this Agreement provides 
for the compounding of interest on your Account. 

13.  Paying  Interest:    There  is  no  interest-free  period  for  transactions  that  post  to  the 
Account except as provided in any Offer Materials. Transactions are subject to interest 
from the date they post to the Account until the date they are paid in full.   

14. Advance Account Fees:  You agree to pay the following Account fees and INTEREST 
CHARGES: 

(a)  We  may  add  an  Advance  Transaction  Fee  INTEREST  CHARGE  to  the 
Advance balance of the Account for each Advance you obtain during a billing cycle 
in addition to the interest that accrues on the Advances. The Advance Transaction 
Fee imposed will equal the greater of either a percentage of each Advance or the 
minimum dollar amount, subject to the maximum dollar amount.   

15.   Account Fees: 

(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for 
each Promotional Discount you receive during the billing cycle, as outlined in any 
Offer Materials. 
(b)  Each  year,  the  Account  may  be  subject  to  your  payment  in  advance  of  an                    
Annual Membership Fee which will compensate us for maintaining and servicing the 
Account for the following year.  This fee will be charged to the Purchase balance of 
your Account. 
(c) We may add a Late Payment Fee to the Purchase balance of the Account if your 
Minimum Payment is not received by the Payment Due Date shown on the monthly 
Account statement.   
(d) There is no Overlimit Fee on your Account.         
 (e) We may add a Returned Payment Fee to the Purchase balance of the Account 
if any payment on the Account is not honored or if we must return it to you because 
it cannot be processed. A check that is returned unpaid will be sent for collection.  
(f)  We  will  add  a  Duplicate  Documentation  Fee  to  the  Purchase  balance  of  the 
Account for each copy of a monthly statement, sales slip, refund slip, or Advance 
slip that you request. There will be no charge for documentation requests made in 
connection  with  a  billing  error  notice,  if  our  investigation  indicates  a  billing  error 
occurred. 
(g)  We may add a service charge to the Purchase balance of the Account if you 
call  us  to  make  a  payment  on  your  Account  and  are  assisted  by  a  Cardmember 
Service  Representative 
the  payment.  You  will  be  provided  with 
confirmation of the service charge before the payment transaction is authorized.  
(h)  We  may  add  a  Stop  Payment  Check  Fee  to  the  Purchase  balance  of  your 
Account if you request a stop payment on a Convenience Check.  (See "Paying and 
Stopping Payment on Convenience Checks" section above for more details.) 
(i)   We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of                  
your Account, except where Offer Materials specify otherwise. 

to  make 

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

16.  BalanceShield  or  Insurance  Charges:  Your  purchase  of  BalanceShield  debt 
cancellation  or  credit  life  insurance  and  disability  is  optional.    Whether  or  not  you 
purchase BalanceShield or credit insurance will not affect your application for  credit or 
the terms of any existing credit agreement you have with us.  If you elect to purchase 
BalanceShield or credit insurance and are eligible to participate, the monthly program fee 
or premium (at the rate disclosed to you) will be added to the Purchase balance as of the 
closing  date  of  each  billing  cycle  based  upon  the  Account  balance  (including  accrued 
INTEREST CHARGES).The terms of your BalanceShield coverage will be summarized 
in  the  BalanceShield Debt  Cancellation Program  Agreement, which will  be  provided  to 
you upon enrollment. For credit insurance, the terms of your insurance coverage will be 
summarized in the Certificate of Insurance, which will be provided to you.  

17. Credit Limit:  The Account Credit Limit for your Account is the maximum amount of 
credit  available  and  that  you  may  owe  under  the  Account  at  any  time.  You  may  not 
request or obtain additional Purchases, Advances or Balance Transfers once you have 
reached your Credit Limit. The initial Credit Limit is shown on your Card carrier and will 
appear  on  your  monthly  Account  statements.  We  reserve  the  right  to  review  your 
Account at any time and increase or decrease your Credit Limit. You may not increase 

 
 
 
 
 
 
 
 
 
 
 
   
 
                   
  
 
 
your Credit Limit by carrying credit balances over the Credit Limit we make available to 
you. 

18.  Payment:  You  must  pay  us  in  U.S.  Dollars  with  checks  or  similar  payment 
instruments  drawn on a  financial  institution  located  in  the  United  States.    We  will  also 
accept  payment  in  U.S.  Dollars  via  the  Internet  or  phone  or  previously  established 
automatic  payment  transaction.    We  may,  at  our  option,  choose  to  accept  a  payment 
drawn on a foreign financial institution. However, you will be charged and agree to pay 
any collection fees required in connection with such a transaction. The date you mail a 
payment  is  different  than  the  date  we  receive  that  payment.  For  purposes  of  this 
Agreement, the payment date is the day we receive your check or money order at the 
address  specified  on  your  monthly  Account  statement  or  the  day  we  receive  your 
electronic or phone payment.  If you mail your payment without a payment coupon or to 
an  incorrect  address,  it  may  result  in  a  delayed  credit  to  your  Account,  additional 
INTEREST CHARGES, fees, and possible suspension of your Account.  

19. Minimum Payment: Each month, you must pay at least the Minimum Payment and 
any past due Minimum Payment(s)  by  the  Payment  Due  Date  shown  on  your monthly 
Account  statement.  You  may,  at  your  option, pay  more  than  the Minimum Payment or 
pay the New Balance (as stated on your monthly Account statement) in full to reduce or 
avoid  the  INTEREST  CHARGE  for  the  Account.  Your  Minimum  Payment  will  be 
calculated  as  follows:    first,  we  determine  the  “Base  Minimum  Payment,”  which  is  the 
greater  of  $50.00  or  1%  of  your  New  Balance  not  including  items  (1)  and  (2)  below, 
which, if not a whole dollar amount, will be rounded to the next highest dollar.  To the 
Base Minimum Payment, we may add one or more of the following items, as incurred on 
your  Account:  (1)  any  late,  annual  and/or  any  other  Account  related  fee,  (2)  the 
INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of the 
balance amount over your Credit Limit. If the resulting Minimum Payment is greater than 
$50.00, the total, if not a whole dollar amount, is then rounded to the next highest dollar 
not to exceed your New Balance. Any Minimum Payment or additional amount you pay 
each  month  will  not  prepay  any  future  Minimum  Payments  required,  or  change  your 
obligation  to  make  at  least  a  Minimum  Payment  by  the  Payment  Due  Date.  Any 
statement  credit  that  results  from  a  promotional  offer  or  rewards  redemption,  if 
applicable, will only be applied to the Account balance and not satisfy any portion of the 
Minimum Payment requirements for this Account.  

20. Payment Application:  If we cannot collect on your check or other payment item you 
send us  to  pay  on  your  Account,  we  may  post  as  an  Advance  transaction  an  amount 
equal to the credit previously given to you for such check or payment item and we may 
charge interest on this amount from the date your Account originally was credited for the 
payment.  After  a  payment  has  been  made,  we  reserve  the  right  to  withhold  available 
credit in the amount of the payment for 7 business days. Any credit available before the 
payment is made will continue to be available for use during this time. 

21. Skip Payment Option:  We may, at our option, occasionally offer you an opportunity 
to skip your obligation to make the Minimum Payment due. You may not skip payments 
unless we make this offer to you.  If we offer you an opportunity to skip a payment more 
than once in a 12 month period, you will not be permitted to skip payments required in 
consecutive  months.  You  cannot  accept  a  skip  payment  offer  if  your  Account  is 
delinquent,  or  is  in  Default.  When  you  take  advantage  of  a  skip  payment  offer,  the 
interest will continue to accrue on the entire unpaid balance of your Account.  

22.  Change  of  Address:    Your  monthly  Account  statements  and  notices  about  your 
Account will be sent to the address you provided in your application or your response to 
our Account solicitation. To change your address, you must call or write to us.   We must 
receive  this  information  21  days  before  the  date  a  billing  cycle  closes  to  provide  your 
monthly Account statement at your new address. If you have an address change within 
45 days of the expiration date of your Card(s), please contact Cardmember Service with 
your new address so your new Card(s) can be mailed to your new address. We may also 
update your address in our records without a request from you if we receive an address 
change notice from the U.S. Postal Service or if we receive updated address information 
from our mail services vendor. 

23.  Authorized  Users:  You  agree  not  to  allow  access  to  your  Card,  Account  number, 
Convenience Checks, or personal identification number (PIN) to anyone else to use your 
Account, except by asking us to issue a card to grant Account access to another person.  
If you allow access to your Card or Account information, you will be liable for any charges 
made by that person, unless and except as expressly required by applicable law.  You 
agree to be responsible for all Account transactions made by a Accountholder, or anyone 
who you have authorized by (a) asking us to issue a  Card  to grant Account access to 
another person; (b) lending your Card to or allowing Account access by another person; 
or (c) any other way in which you would be legally considered to have allowed  another 

person to use your Account or to be legally prevented from denying that you did so.  Be 
cautious when allowing another person to become an authorized user of your Account; 
once you allow authority to any authorized user you cannot limit that authority unless the 
Account is closed to future transactions.  You, as a primary or joint Accountholder must 
call or write us with any request to cancel and remove a person’s authority. We will not 
provide  any  Account  information  to  anyone  other  than  you  and  any  Authorized Users.  
Authorized Users have no right to make any Account changes or inquiries. 

24.  Lost  or  Stolen  Card  or  Other  Information:  You  must  notify  us  immediately  by 
telephone or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there 
is  possible  unauthorized  use  of  your  Card,  Account,  or  PIN.  You  will  not  be  liable  for 
unauthorized use of your Account.  If this happens, we will ask you and all other persons 
given  Account  access  to  return  all  Cards  and  unused  Convenience  Checks  to  us.  In 
addition, we have the right to close your Account and open a new Account. If we do so, 
new Cards will be issued.  If requested, we may issue a new PIN and new Convenience 
Checks for your new Account. 

25.  Using  Your  Card  for  International  Transactions:  You  may  use  your  Card  for  retail 
Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear 
either the PLUS System or the Visa logo.  Some merchant and ATM transactions, even if 
you and/or the merchant or ATM are located in the United States, are considered foreign 
transactions  under  the  applicable  Visa  rules,  in  which  case  we  will  add  the  Foreign 
Transaction Fee  INTEREST CHARGE  described  in this section to those transactions.  
We do not control how these merchants, ATMs, and transactions are classified for this 
purpose.  The exchange rate in effect when the transaction is processed may differ from 
the  rate  in  effect  on  the  date  of  the  transaction  or  the  date  of  the  posting  of  the 
transaction to your Account. 

If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS 
System  logo),  the  transaction  will  be  processed  through  the  Visa  system  and  will  be 
converted to U.S. Dollars according to the applicable rules established by Visa from time 
to time.   Currently, the currency conversion rate used by Visa to determine the foreign 
currency transaction amount in U.S. Dollars is determined by multiplying the amount of 
the foreign currency transaction times (a) a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in 
effect for the applicable central processing date.  If your foreign transaction is in foreign 
currency  prior  to  being  processed  by  Visa,  we  will  add  a  Foreign  Transaction  Fee 
INTEREST  CHARGE  of  3.00%  of  the  Purchase  transaction  or  3.00%  of  the  ATM 
transaction.  If  your  foreign  transaction  is  in  or  converted  to U.S.  Dollars  prior  to being 
processed  by  Visa,  we  will  add  a  Foreign  Transaction  Fee  INTEREST  CHARGE  of 
3.00%  of  the  Purchase  transaction  or  3.00% of  the ATM  transaction.    If  you  use  your 
Card  at  an  ATM  that  bears  only  the  PLUS  System  logo  (and  no  Visa  logo),  the 
transaction will be processed through the PLUS System and will be converted into U.S. 
Dollars at the exchange rate established, from time to time, by the operator of that ATM.  
To  the  converted  transaction  we  will  not  add  a  Foreign  Transaction  Fee  INTEREST 
CHARGE. 

If you use your Card at an ATM that bears both the Visa and PLUS System logos, the 
ATM  operator  will  determine  whether  to  send  your  transaction  over  the  Visa  or  PLUS 
System network using such network’s respective currency conversion rules then in effect 
(as explained above).   

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

26. Responsibility  to  Pay:    You agree  to  pay us  for all  Purchases,  Advances,  Balance 
Transfers,  INTEREST  CHARGES,  Account  Fees  and  charges,  any  other  transaction 
charges as provided in this Agreement and, to the extent permitted under applicable law, 
attorneys fees and collection costs we incur enforcing this Agreement against you. This 
is  the  case  even  if  your  Account  is  only  used  by  one  of  you,  or  is  used  by  someone 
authorized by only one of you. If there is more than one Accountholder, each of you is 
responsible, together and separately, for the full amount owed on  your  Account.    Your 
obligation  to  pay  the  Account  balance  continues  even  though  an  agreement,  divorce 
decree,  court  judgment,  or  other  document  to  which  we  are  not  a  party  may  direct 
another person responsible to pay the Account.   

27.  Intent  to  Repay:    Every  time  you  use  your  Account,  you  represent  to  us  that  you 
intend  to  and  have  the  ability  to  repay  your  Account  obligations.  We  rely  on  this 
representation every time you use your Account. 

28. Settling a Disputed Balance; Payment in Full:  If you want to settle a disagreement 
with us about any amount you owe by sending a check on which you have written  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
“Payment  in  Full”  or  similar  language,  you  must  send  us  a  written  explanation  of  the 
disagreement or dispute and any such check to Cardmember Service. (See Your Billing  
Rights section below for complete details.) This address is different than the address you 
use  to  make  Account  payments.  Writing  “Payment  in  Full”  or  similar  language  on  the 
check will not be enough to resolve the dispute. If we collect a check or any payment 
instrument  marked  “Payment  in  Full”  that  you  sent  to  an  address  other  than  the  one 
provided in this section (such as the address at which you normally make payments), we 
will  not  have  waived  our  right  to  collect  any  remaining  amount  you  owe  us  under  the 
terms of your Account. 

29. Default:  You and your Account will be in Default if:  

(a) we do not receive the Minimum Payment by the Payment Due Date disclosed 
on the monthly Account statement; 
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Accountholder; 
(d)  you  become  insolvent,  assign  any  property  to  your  creditors,  or  go  into 
bankruptcy or receivership; 
(e)  you  have  made  false  statements  on  your  Account  application  or  in  the 
maintenance of your Account; 
(f)  we  have any  reason  to  believe  that  your  Account  is  in danger  of, or  is  being 
used for fraud; 
(g) you are a married community property state resident and you or we receive a 
written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the risk that 
you will not live up to your payment and other obligations under this Agreement; or 
(j)  this  is  a  joint  Account  and  one  of  you  notifies  us  that  he  or  she  wants  the 
Account closed or will no longer be liable on the Account. 
You and your Account will also be in Default if you go over your Credit Limit. 

30. Illegal Purchases:  You agree that you will not use or permit an authorized user to 
use the Card or Account for any unlawful purpose, such as funding any account that is 
set up to facilitate online gambling. 

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

31. Ownership of this Account: Your Card and any other Account access devices that we 
supply to you are our property and must be immediately returned to us or our designated 
agent or otherwise destroyed or surrendered as we instruct.  

32. Changes to your Account:  Account and Agreement terms are not guaranteed for any 
period of time; we may change the terms of your Agreement, including APRs and fees, in 
accordance  with  applicable  law  and  the  terms  of  your  Agreement.  Your  transactional 
experience with us may also cause a change, including an increase in the margin that is 
added  to  the  Index,  an  increase  in  fees,  or  a  decrease  in  the  Credit  Limit.    Factors 
considered in determining the increased rate or Credit Limit decrease may include your 
general  credit  profile,  existence,  seriousness  and  timing  of  the  defaults  under  any 
agreement  that  you  have  with  us,  and  other  indications  of  the  Account  usage  and 
performance. We will give you notice of any such change in the manner required by law. 
Revised Account terms apply as of the effective date communicated in our notice to you 
unless the notice provides you with the right to opt out, and you do opt out, before the 
effective date.   

33. Cancellation of Your Account:  We may cancel your Account or suspend your ability 
to obtain Account credit immediately, without notice, if your Account is in Default. Even if 
you are not in Default, we may cancel your Account by providing notice to you. You may 
cancel your Account by notifying us by telephone or in writing.   If this is a joint Account, 
we  will  honor  a  request  by  either  of  you  to  cancel  the  Account.  After  the  Account  is 
cancelled,  you will  not be able  to  obtain  additional  Account  credit,  except  that,  (a)  the 
Account  may  continue  to  receive  recurring  charges  for  items  and  services  until  you 
contact and cancel delivery with the company providing the item or service, or (b) under 
certain circumstances if you use your Account for a transaction, the transaction may be 
posted  to  your  Account.    After  your  Account  is  cancelled,  all  amounts  outstanding  on 
your Account will be due and payable without notice or demand from us. You must cut all 
Cards  and  Convenience  Checks  in  half and  return  them  to  us.    If  you  do  not  pay  the 
amount you owe under this Agreement, you will be liable for our collection costs including 
our reasonable attorney fees and expenses of legal actions, to the extent permitted by 
applicable law. 

34. Our Rights if You Are in Default:  If you are in Default, we will give you notice of your 
right to cure the Default as may be required by law. If you do not cure the Default within 
the time stated in the notice, we may declare the Account balance due and payable. You 

remain responsible for all amounts charged to your Account both before and after receipt 
of such notice. We may also use any other legal right it has. Except where prohibited we 
may charge any amount due against any of your deposit accounts that you have with we 
or its affiliates except for any balance resulting from use of your Bank credit card. If you 
Default  by  exceeding  your  credit  limit,  the  excess  may  be  treated  as  an  Advance; 
however,  it  must  be  repaid  in  full  with  your  next  regular  payment  unless  other 
arrangements are made with we at the time.  

35.  Assignment  of Your Account  to  Another Creditor:    We may assign,  sell  or  transfer 
your Account and amounts owed by you to another creditor at any time. If we do, this 
Agreement will still be in effect unless and until amended, and any references made in 
this Agreement to “we”, “us”, or “our” will refer to the creditor to which we assigned, sold 
or transferred your Account or amounts owed under your Account. You may not delegate 
your obligations and responsibilities to us to any third party without our express written 
consent. 

OUR LEGAL RIGHTS AND OBLIGATIONS 

36.  Collecting  Credit  Information  about  You:    You  authorize  us  to  make  any  credit, 
employment  and  investigative  inquiries  we  feel  are  appropriate  related  to  giving  you 
credit  or  collecting amounts  owed  on  your  Account.  You  agree  that a  consumer credit 
report  may  be  requested  periodically  from  one  or  more  consumer  reporting  agencies 
(“Credit Bureaus”) and used in connection with your application and any update, renewal 
or extension of credit. We will provide information about you, your Account or your credit 
history to Credit Bureaus and others who may properly receive that information. 

37.  Credit  Bureau  Disputes:    If  you  believe  we  inaccurately  reported  credit  history 
information  about  you  or  your  Account  to  a  Credit  Bureau,  write  to  us  at  Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166-9801.  

38.  Privacy Pledge and Disclosure of Account Information:  A copy of our Privacy Pledge 
was included with your original Agreement. We also keep copies of our Privacy Pledge in 
financial institution offices and post it on our web site.  Our Privacy Pledge describes how 
we collect, protect and use confidential financial and other information about you and the 
circumstances  in  which  we  might  share  information  about  you  with  members  of  our 
corporate family and with unaffiliated third parties. Our Privacy Pledge also tells you how 
you  can  (a)  limit  the  ways  we  share  certain  kinds  of  information  about  you  and  (b) 
request corrections to the information we maintain about you. 

39. Refusal  to  Honor Transactions:    We  and  our  agents  are  not  responsible  if  anyone 
refuses to honor your Card or a Convenience Check, or if authorization for a particular 
transaction is not given. Although you may have credit available under your Account, we 
may be unable to authorize credit for a particular transaction. The number of transactions 
you make in one day may be limited, and the limit per day may vary. These restrictions 
are for security reasons and as a result we cannot explain the details of how this system 
works. If your Account is over  the  Credit  Limit or delinquent, authorization of credit for 
transactions may be declined. We are not responsible for anything purchased with your 
Card or a Convenience Check, except as expressly required by applicable law (see Your 
Billing Rights section below for more details). You must return goods you purchased with 
the Card or Account to the merchant and not to us.  

40. Third Party Offers:  From time to time, third parties may provide you with benefits not 
related to the extension of Account credit. We are not liable for these features, services 
and  enhancements,  as  they  are  the  sole  responsibility  of  the  third  party  provider.  We 
and/or a third party may add, change or delete entirely these benefits without notice or 
liability to you, to the extent permitted by applicable law. You agree to hold us harmless 
from any claims, actions or damages resulting from your use of any of these features, 
services or enhancements, where permitted by applicable law. 

41. Monitoring and Recording Communications: You understand and agree that we, and 
anyone acting on our behalf, may monitor and/or record any communications between 
you, or anyone acting on your behalf, and us, or anyone acting on our behalf, for quality 
control  and  other  purposes.    You  also  understand  and  agree  that  this  monitoring  or 
recording may be done without any further notice to you or anyone acting on your behalf.  
The communications that may be monitored or recorded include telephone calls, cellular 
or mobile phone calls, and any other communications in any form.    

42.  Severability:    If  a  court  of  competent  jurisdiction  finds  any  part  of  this  Agreement 
illegal or unenforceable, the remaining portions of the Agreement will remain in effect as 
written after any such illegal or unenforceable portion is amended in conformance with 
applicable law or, if necessary, voided.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
43.  Entire  Agreement:    This  version  of  the  web  Agreement  replaces  any  previous 
versions of the web Agreement. The Agreement, as modified by any change in terms we 
may deliver  from  time  to  time  in accordance with applicable  law,  constitutes  the entire 
agreement  between  you  and  us,  and  supersedes  any  prior  negotiation,  agreement,  or 
understanding between you and us concerning the subject matter of the Agreement.  

44. Waiver:  We do not give up our rights under the Agreement or applicable law when 
we fail to exercise or delay exercising those rights. Our failure or delay to exercise any 
right or remedy we have against you does not mean that we waive that right. 

45.  Arbitration Provision: 
(a)  You agree that either you or we can choose to have binding arbitration resolve 
any claim, dispute or controversy between you and us that arises from or relates 
to  this  Agreement  or  the  Account and  credit  issued  thereunder  (individually  and 
collectively,  a  "Claim").    This  does  not  apply  to  any  Claim  in  which  the  relief 
sought is within the jurisdictional limits of, and is filed in, a small claims court.  If 
arbitration is chosen by any party, the following will apply: 

(1)  NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN 
COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-
ARBITRATION  DISCOVERY,  EXCEPT  AS  PROVIDED  FOR 
IN  THE 
APPLICABLE ARBITRATION RULES.  
(2)    Arbitration  will  only  decide  our  or  your  Claim,  and  you  may  not 
consolidate or join the claims of other persons who may have similar claims.  
YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE 
OR  MEMBER  OF  ANY  CLASS  OF  CLAIMANTS,  OR  AS  A  PRIVATE 
ATTORNEY  GENERAL,  PERTAINING  TO  ANY  CLAIM  SUBJECT  TO 
ARBITRATION.  
(3)    The  arbitration  will  be  performed  in  accordance  with  this  Arbitration 
Provision and the rules of the chosen arbitrator in effect when the Claim is 
filed.   
(4)    The arbitrator’s  decision  will  generally be  final and binding, except  for 
the limited right of appeal provided by the Federal Arbitration Act.  
(5)  Other rights that you would have if you went to court might also not be 
available in arbitration.  

(b)    The party commencing  the arbitration may select  to use either JAMS or  the 
American  Arbitration  Association  ("AAA")  (or,  if  neither  of  these  arbitration 
organizations  will  serve,  then  a  comparable  substitute  arbitration  organization 
agreed  upon by  the  parties  or,  if  the parties  cannot  agree,  chosen by  a court  of 
competent  jurisdiction).    If  JAMS  is  selected,  the  arbitration  will  be  handled 
according to its Streamlined Arbitration Rules unless the Claim is for $250,000 or 
more, in which case its Comprehensive Arbitration Rules shall apply.  If the AAA is 
selected,  the  arbitration  will  be  handled  according  to  its  Commercial  Arbitration 
Rules.   You  may  obtain  rules and  forms  for JAMS  by contacting JAMS  at 1-800-
352-5267 or  www.jamsadr.com  and  for  the  AAA by contacting  the  AAA at 1-800-
778-7879 or www.adr.org.  Any arbitration hearing that you attend will take place in 
the  federal  judicial  district  where  you  reside.    At  your  request,  we  will  advance 
your filing and hearing fees for any Claim you may file against us. If you prevail on 
your Claim, we will pay your arbitration costs and fees, other than attorney, expert 
and  witness  fees  and  expenses.    We  will  also  pay  any  fees  or  expenses  that 
applicable law requires us to pay.  The arbitrator shall apply applicable substantive 
law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, including 
but  not  limited  to  applicable  statutes  of  limitation,  and  shall  honor  claims  of 
privilege recognized at law.  Judgment upon the award rendered by the arbitrator 
may be entered in any court having jurisdiction.  

(c)  This Arbitration Provision shall survive repayment of your extension of credit 
and termination of your Account.  This Arbitration Provision shall be governed by 
federal law, including the Federal Arbitration Act, and by Ohio law, without regard 
to  its  internal  conflict  of  law  principles,  to  the  extent  such  state  law  does  not 
conflict  with  federal  law  or  this  Arbitration  Provision.  This  Arbitration  Provision 
shall  not  apply  to a  party  who  is  a covered  borrower  under  the  Military Lending 
Act.  Notwithstanding any language of this Agreement to the contrary, should any 
portion of this Arbitration Provision be held invalid or unenforceable by a court or 
other  body  of  competent  jurisdiction,  this  entire  Arbitration  Provision  shall  be 
automatically terminated and all other provisions of this Agreement shall remain in 
full force and effect. 

Federal law provides important protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as applicable to the credit 
transaction  or  account:  the  costs  associated  with  credit  insurance  premiums;  fees  for 

ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee 
charged (other than certain application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation fees for a credit card 
account). For a verbal transcript of this disclosure, please call 1-800-444-1244. 

YOUR BILLING RIGHTS 

Keep  this  document  for  future  use.    This  notice  tells  you  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement: 
If you think there is an error on your statement, call or write to us.   

In your letter or call, give us the following information: 
  Account information: Your name and Account number. 
  Dollar amount: The dollar amount of the suspected error. 
  Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake. 

You must contact us: 
  Within 60 days after the error appeared on your statement. 
  At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  you 

want to stop payment on the amount you think is wrong. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 
1.  Within 30 days of receiving your letter  or call, we must tell you that we received 

your letter.  We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter or call, we must either correct the error or 
explain to you why we believe the bill is correct.  While we investigate whether or 
not there has been an error: 
  We cannot try to collect 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 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.) 
You must have used your credit card for the purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your credit card Account   do 
not qualify. 
You must not yet have fully paid for the purchase. 

2. 

3. 

 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing.  

While we investigate, the same rules apply to the disputed amount as discussed above.  
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

SPECIAL  RULES  FOR  CREDIT  CARD  PURCHASES  DO  NOT  APPLY  TO 
PURCHASES  MADE  WITH  CONVENIENCE  CHECKS  OR  BALANCE  TRANSFER 
CHECKS. 

06_USB_LINE_OF_CREDIT