F03-M409-3 
This   Credit   Card   Agreement   (Agreement)   explains the  terms  of  your  Green $ ense®  Platinum   MasterCard®    credit  card  account (Account)   with 
RBS Citizens,  National  Association.  This Agreement  consists  of this  Agreement, the  Pricing Addendum and any other  documents  or information  provided to you 
concerning  terms  applicable to your  Account,  including  any  changes  that may  be made  to these  documents  or information  from  time  to time.  The Bank  may 
change terms  of this Agreement at any time  subject to applicable  law.  Please read these documents  carefully  and keep them for your records. 

CREDIT CARD AGREEMENT 

1.    Meaning  of  Words.  In  this  Agreement,  you  and  your  mean  anyone  who  (a) 
signs  the  credit  card  application,  (b) uses,  maintains  or  accepts  the  Account, 
or (c) otherwise  agrees to  be obligated  under  this  Agreement. We, our  and us 
mean  RBS Citizens,  N.A., Providence,  Rhode Island,  the  issuer  of your credit 
card  and the  creditor  under  this  Agreement,  or  any subsequent  holder  of  this 
Agreement  or  any  balances  in  your  Account.  Card means  each  Green$ense® 
MasterCard credit  card  that  we  issue to  you under  this  Agreement. Purchases 
means  amounts  charged  to your  Account  when  you  use  your  Card  or give 
your  Account  number  for a  transaction.   Purchases  also  includes  all of the 
Account  Fees set  forth  in Section  16 and  other  charges  that  are  charged  to 
your  Account  (except  Cash  Advance  Fees  as  defined  in Section  16(a)(i)),  as 
well  as Periodic Interest  Charges (defined in  Section 10(a)). Balance Transfers 
means loans charged to your Account that  you obtain  as provided in Section 
4(b).  Cash  Advances  means  loans  charged  to your  Account  as  provided  in 
Section  4(c). Cash Advances also includes  Cash Advance Fees. 

2.    Your Promise to Pay.  You are legally  responsible  for  paying  the  entire  amount 
owed  to us under  this  Agreement.  You represent  and  warrant  that  at  the  time  of 
each transaction  on the  Account  that  you have the  intent  and financial  capacity 
to repay  the  amount  in full according  to the  terms  of this  Agreement.  Upon 
request,  we  may issue additional  Cards to any person you authorize to use your 
Account.  You and any such  person  agree  to  be  obligated  under  this  Agreement 
and  are responsible  for  paying  all  charges  made  to  your  Account  and  any fees 
and charges  associated  with  such  charges.  You agree  not  to make  or allow  to be 
made any transactions  which  are illegal  under  any state  or federal  law.  We may 
decline  to approve any transaction  which  we  reasonably believe is  a transaction 
which  is illegal  under  any state  or  federal  law.  An example  is casino  gambling 
on the Internet.  You agree that  the terms  of this  Agreement,  as amended  from 
time  to time,  apply when  you use the Account or allow  any other person to use 
your  Account,  and any  such  person  agrees to  the  terms  of  this  Agreement.  By 
(a) using  your  Card, Account  number,  or  Account,  (b) authorizing  or signing  any 
charge  or charge  slip  on  your  Account,  Balance  Transfer  or Balance  Transfer 
Check (as provided  in Section  4(b)), or (c) obtaining  a Cash Advance (as provided 
in Section 4(c)), you confirm  that you agree to the terms of this Agreement. 

3.    Credit Limit. Your total  credit  limit  (Total Credit Limit ) is  the  combined  amount 
of credit  for  Purchases, Balance Transfers  and Cash Advances that  we  agree to 
extend  to  you at  any one time.  You will  receive  a separate  credit  limit  for  Cash 
Advances  (Cash  Advance  Limit ),  which  will be  a  portion  of your  Total  Credit 
Limit.  Your Total  Credit  Limit  and  Cash Advance  Limit,  as  well  as  the  amount 
available  for  Cash Advances  (Available  Cash ),  will be  shown  on  your  Account 
statement (Statement ). We may change the amount  of your Total Credit Limit  or 
Cash Advance Limit  without  prior  notice  to you.  We may  also  limit  your  ability 
to make  Balance Transfers.  You agree  not to exceed  either  your Total  Credit 
Limit  or Cash Advance Limit. 

The amount  shown  on your  Statement  as Available Cash does not include  any 
transactions  or Account  Fees  or other  charges  posted  to your Account after 
the  Statement  Date  (as  defined  in Section  6)  as  shown  on  that  Statement 
which  could  result  in either  your  Cash  Advance  Limit  or Total  Credit  Limit 
being exceeded. 

Even if we  permit  transactions  that  exceed either  your  Cash Advance Limit  or 
Total  Credit  Limit,  you  are  responsible  for those  transactions  as  provided  in 
this  Agreement. If we  refuse any such transaction,  we  may advise the person 
attempting  the transaction that it has been refused and we are not responsible 
or liable for taking  such action. 

4.    How  You Can Use Your Account. 

a)     Purchases.  You  can  use  your  Card  to buy  or lease  goods  or services 
wherever  your  Card is honored.  Each of these transactions  is a Purchase. 
In  addition,  any  credit  life insurance  charges,  payment  protection  plan 
charges,  the Account  Fees  set forth  in Section  16 and  other  charges 
that  are  charged  to your  Account  (except  Cash Advance  Fees  and  Cash 
Equivalent  Transaction  Fees)  are  treated  as  Purchases  subject  to the 
Interest  Charge  for Purchases  provided  for in this Agreement.   We  will 
pay  Purchases you  have made  up  to  your  Total  Credit  Limit.  The amount 
of  any Purchase will  be charged  to  your  Account  and will  appear on your 
Statement. 

b)     Balance  Transfers.  We may,  at our  sole  option,  give  you  special  checks 
which   you  can  use  to reduce  or pay  off the balance  on  credit   card 
accounts  or  other  accounts  you  may  have with  other  creditors  (Balance 
Transfer  Checks). In addition,  we  may  provide  you with  Balance Transfer 
forms  that you  can  complete  to request  us  to issue  a  check  on  your 
behalf  to  reduce or  pay off  the  balance on  credit  card  accounts  or  other 
accounts  you may  have with  other  creditors.  We may  also permit  you to 
execute  Balance  Transfers  by  telephone  or  other  methods  authorized  by 
us.  Balance  Transfers  may  not  be  used  to make  payments  on  accounts 
issued or  held by us or our  affiliates.  Balance Transfers may be subject 
to  promotional,  special  or  additional  terms;   these  terms   are  part of 
this Agreement.   We  will pay  the Balance  Transfer  amounts   you  have 
authorized  up to your  Total  Credit  Limit,   unless  otherwise  limited   by 
the terms  of the  Balance  Transfer.  Unless a  special  promotional  offer  or 
other offer  applies, you will  be charged a transaction  fee for each Balance 
Transfer  (Balance  Transfer  Fee) in the  amount  set  forth  in Section  16(a) 
(iii).  The  amount   of any  Balance   Transfer   and  Balance  Transfer   Fee 
(which  is an  Interest  Charge)  will be  charged  to your  Account  and  will 
appear  on  your  Statement.  We do  not  certify  or  return  Balance  Transfer 
Checks. 

c)     Cash Advances. In this Agreement,  Cash Loans, ATM Loans, Convenience 
Checks  and  Cash Advance Fees will  be referred to as “Cash Advances.” 

(i)    Cash  Advances   and  ATM  Loans.   You  can  use  your   Card  to obtain 
Cash Advances from  any financial  institution  or  merchant  that  accepts 
your  Card  and  processes  the  transaction.   The  minimum   amount  of 
any  Cash  Advance  you  can  obtain  in this  manner  is $20.  The  total 
amount  of Cash  Advances  you  can  obtain  from  financial   institutions 
and  merchants  in one  day  is $3,000  or  the  available  amount  of your 
Cash Advance  Limit,  whichever  is less.  You  can  also  use  your  Card 
and  personal  identification   number  (PIN )  to get  a  Cash Advance  from 
any automated teller  machine (ATM ) that  accepts  your  Card. The total 
amount  of Cash Advances  you  can  obtain  from  ATMs in one  day  is 
$500  or  the  available  amount  of  your  Cash Advance Limit,  whichever 
is less.  We or  the  operators  of ATMs may  place  additional  limitations 
and  requirements   on  Cash  Advances  you  may  obtain   from ATMs. 
Authorization   for Cash  Advances  over  a  certain   dollar   amount   or 
number  may  be refused  under  certain  circumstances  even though  you 
have  Available  Cash.  These  restrictions   may  be  for security  or other 
reasons, including:  (i) the  ATM or other  electronic  authorization  system 
is  not  working  properly;  (ii) your  Card or  PIN has been  reported  lost  or 
stolen  or  has  been canceled;  (iii) the  financial  institution,  merchant  or 
ATM does  not  have  enough  cash;  and  (iv)  circumstances   beyond  our 
control,  such as a power  outage. 

(ii)   Convenience  Checks.  From  time  to time,  we may  supply  you  with 
special  checks  which  you can use as you would  a regular check  to pay 
for  goods and services  or  to  write  yourself  a loan  (called  Convenience 
Checks ). Convenience Checks  may  not  be  used  to  make  payment  on 
any account  issued  or held  by us or our affiliates.  Convenience Checks 
may  be  subject   to promotional,   special  or additional  terms;  these 
terms  are  part  of  this  Agreement.  We will  pay  the  amounts  you  have 
authorized  up to your  Cash  Advance  Limit,   or to an  amount  above 
your  Cash  Advance  Limit  at our  discretion,  unless  otherwise  limited 
by  the  terms  or conditions  of the  Convenience  Check.  The  amount 
of any  Cash  Advance  and  the  Cash  Advance  Fee  will be  charged  to 
your  Account  and  will appear  on  your  Statement.  Unless  subject  to 
a  special  promotion,  you  will be  charged  a  transaction  fee  for each 
Cash Advance  (Cash Advance  Fee ) which  is  an Interest  Charge in  the 
amount  set  forth  in  Section  16(a)(i). Cash Advance Fees are  treated  as 
Cash Advances. We do not certify  or return  Convenience Checks. 

travelers  checks,  savings  bonds, 

(iii)   Cash  Equivalent  Transactions.  Cash  Equivalent  Transactions  include 
foreign  currency, 
purchasing 
money  orders,  wire  transfers,  lottery  tickets,  funds  used  for  wagers 
or gambling,  or similar  products  or services  as  determined  by  the 
Bank.  We  will charge  your  Account  a  fee  for each  Cash  Equivalent 
Transaction   (Cash  Equivalent   Transaction   Fee)  in the amount  set 
forth  in  Section  16(a)(iv). These transactions  are also treated  as Cash 
Advances for  all  other  purposes  on  your  Account.  Cash Advance Fee 
Interest  Charges  for Cash  Equivalent  Transactions  will be  added  to 
your Cash Advance Balances. 

d)     Obtaining  Credit  Without  Your Card.  You can  make  Purchases or  Balance 
Transfers  or  obtain  Cash Advances without  using  your  Card (such  as for 
Internet,  mail  order  or telephone  transactions).  If you  do  so,  you  will be 
responsible  for  the  amount  of each  transaction  and  any  applicable  fees 
as if you had used your Card. 

5.    Green$ense Program. 

a)     Program  Requirements. 

               •     You  open  and  maintain  a  Citizens  Bank  or  Charter  One  checking  

account and your account is in good standing. 

               •     You apply  for and maintain a Green$ense ®  credit  card that is in  good 

standing. 

               •   The Green$ense®  Program is not available to business customers. 

b)     Eligible  Transactions.You may  earn  cash  on eligible  transactions.  An “eligible 
transaction”  is any  posted  Green$ense®   credit  card  purchase.  Credit  card 
purchases  DO NOT include  Balance  Transfers,  Cash Advances,  Accounts  Fees 
or charges, Periodic Finance Charges, Life Insurance payments, PaymentCare®, 
money orders, wire transfers, lottery tickets, gambling charges, or unauthorized 
charges to your Account. 

c)     Green$ense®  Program Earnings. 

               •     $0.25 for each eligible credit card transaction posted in a month 

               •     Maximum monthly earnings  of $20 

               •     Maximum yearly earning  of $240 

               •     You  must  make  10  eligible  transactions  posted  to  your  Green$ense  

Credit Card monthly. 

               •     Eligible  transactions will  be  counted at  the  end  of each  calendar 
month,  and  Green$ense®     earnings  will be  credited  to your  Citizens 
Bank  or  Charter  One  checking  account  on  the  second  business  day 
of the following month. 

               •     Eligible  transactions must  be  posted  to  your account  during the 
month  in  order for  it  to  count towards   earning   eligibility   and 
Green$ense Cash earned for that  month. 

               •   All   Green$ense Credit Card Cash  will   be  paid  into a  Citizens  Bank 
or  Charter  One  checking   account.   The  Citizens  Bank  or Charter   One 
checking  account  that  the  Green$ense Credit Card Cash will  be paid  into 
is based on the following:  1) The Citizens Bank or Charter One checking 
account  associated  with  a  Value or  Combined  Plan  with  Green$ense; 2) 
The most  recent  Citizens  Bank  or Charter  One checking  account  that  was 
paid  Green$ense  cash;  3)  The  Citizens  Bank  or Charter  One  checking 
account  that you  are  listed   as  the Primary   Account   Holder;  4)  The 
checking account that you are listed as a Non-Primary Account Holder. 5) 
If you have more than one account that falls into one of the criteria  listed 
above, the  account  that  will be  paid  will be the  account  with  the  most 
checking account transactions posted for that month. 

(i)    If at any time  you enroll in  a Value or Combined Plan your earnings 

will revert to: 

                           •   $0.50  for each eligible credit card transaction  posted  in a month. 

                           •     Yearly maximum   of $240 in earnings  is a combined  maximum 
between your  Green$ense  Credit  Card and  the  Green$ense  Debit 
Card associated  with  your Value or Combined Plan. 

   •      No minimum # of eligible transactions need to be made from your  
credit card in order to earn Green$ense Credit Card Cash. 

(ii)   If  you  opt out or no  longer  meet  the Value  or Combined  Plan 
requirements  and  maintain  a  checking  account  your  Green$ense 
Credit Card earnings will  revert back to: 

                           •     $0.25 for each eligible credit card transaction posted in a month  

                           •     Maximum monthly earnings  of $20 

                           •   Maximum yearly earning  of $240 

                           •      You   must   make   10   eligible   transactions   posted   to   your  

Green$ense Credit Card monthly. 

(iii)   For customers  enrolled  in a Value or Combined Plan, earnings begin 
to accrue  as of the business day you accept  the Value or Combined 
Plan Terms and Conditions agreement. 

6.    State 

ment.   We  will send  you  a  Statement   each  month  that you  have  a 
credit  or debit  balance  of more  than  $1,  when  an  Interest  Charge  has  been 
imposed,  or when  there  has  been  activity  in your  Account,  unless  we  deem 
your  Account  uncollectible  or delinquency  collection  proceedings  have  been 
instituted  against  you.  Your  Statement  will show  the  total  amount  that  you 
owe  us  (New  Balance ).  It will also  tell  you the  minimum  payment  you must 
make (Minimum  Payment ) and tell  you when  payments  are due (Payment Due 
Date).  Your  Statement   will also  show  your  Total  Credit  Limit,  the  available 
amount  of your  Total  Credit  Limit  for use  on  the  closing  date  of the  billing 
cycle  (Available  Credit ),  Cash  Advance  Limit   and  Available  Cash  as  of the 
closing  date  (Statement  Date) of the  billing  cycle.  Your Available Credit will  be 
the  amount  of your  Total Credit Limit,  minus  the  sum  of: (a) the  New  Balance, 
(b)  any  Purchases,  Balance  Transfers  or Cash  Advances  which   have  been 
authorized  but not yet  posted  to your  Account,  and  (c)  the amount  of any 
payments that have not yet cleared as of the closing date of your billing cycle. 

Unless you  notify  us  within  sixty  (60)  days  of receipt,  your  Statement  will be 
deemed to be correct. 

7.    Making  Payments.  You must  make  a  payment  every  month  that  you  owe  a 
balance  on  your  Account.  You may  pay  the  New  Balance  (which  is the entire 
amount  due),  or a  lesser  amount,  but you  must  pay  at least  the  Minimum 
Payment. Payments must  be mailed  to  the address shown on your Statement. 
Payments  must   be  accompanied  by  the return  portion  of your  Statement. 
Payments received  at the  address  shown  on your  Statement  before  5:00  P.M. 
Eastern  Time  will be  credited  by  us  for that  day.  Payments received  after 
this time  will  be credited for the next business day. If your payment  due date 
is on  a  day  which   we do  not  receive  mailed  payments,  a  mailed  payment 
received  on  the  next  business  day  will not  be  treated  as  late.  Payments  can 
be  made  only  at the  address  provided  on  the  Statement.  There  may  be  a 
delay  in crediting  payments  received  at any  location  other  than  the  address 
shown  on  your  Statement  until  properly  received.  There  may  also  be  a  delay 
in crediting  payments  received  if the  return  portion  of your  Statement  does 
not  accompany  your  payment  or if  the  return  portion  of your  Statement  is 
damaged and we are unable to identify  your Account number. 

Payments   must be   made   in  U.S.  Dollars  drawn   on   a  federally-insured 
depository  institution  located  in the  U.S. Payments  less  than  or equal  to the 
Minimum  Amount Due  will  be  applied  in any  order  that  the  Bank  shall 
from time  to time  choose. Generally, payments  less than  or equal to the 
Minimum  Amount  Due  are  applied  to  introductory,  promotional  or  low 
rate  balances  before  the  Bank  applies  payments  to  balances  that  are 
subject to  standard  or  higher rates,  regardless of  when  the  transaction 
is made.  Any amount of your payments that is greater than the Minimum 
Amount Due will  be applied  first  to balances  with  the  highest APR, and 
then  to  each  successive  balance  with  the  next  highest  APR, until  the 
payment  is exhausted.  You agree to this. 

By sending  a check  for  payment  on your  Account,  you  authorize  us  to initiate 
an  Electronic   Funds  Transfer  (EFT) from  your  bank  according   to the terms  of 
the  check.  This means we  will  copy  your  check  before we  destroy it and  use 
the  account  information  on it to  electronically  debit  your bank account for the 
amount  of the  check.  The  debit  from  your  bank  account  will usually  occur 
within  24 hours  and  will be  shown  on  your  bank  account  statement  from 
which   your  check  was  drawn  on.  You  will not receive  your  original  check 
back.  If the  EFT cannot  be  processed  for technical  reasons,  you  authorize 
us  to process  the  copy  in place  of your  original  check.  If the  EFT cannot  be 
completed  because of  insufficient  funds,  we  may  try  to  make  the  transfer  up 
to 2 times. If the  EFT still  cannot  be  completed   because  the  EFT was  derived 
from  your  check,  this will be  treated  as  if  your  payment  check  had  been 
returned to the Bank as unpaid. 

Any  conditional  check,  money  order  or  any  other  instrument  tendered  with  a 
restrictive  endorsement  or as  a  full satisfaction  of a  disputed  debt  must  be 
sent  to our  address  for billing  error  notices  shown  on  each  Statement  and 
must  conspicuously state  on the  face  of  that  payment  or  in  an accompanying 
letter  that  it is tendered  for  this  purpose.  If you  make  payment  in any  other 
way  and we  accept it, we  will  not have waived our right  to collect  any amount 
from you owed under this Agreement. 

In  addition   to  accepting  payments  by  mail,  we may  permit   you  to  make 
payments  by  electronic  means,  including  by  telephone  or  Internet,  subject  to 
any terms  we  may impose on these alternative methods of payment, including 
charging a fee for such service of which  we  will  inform  you at that  time.  If you 
choose to pay by any of these means, you agree to pay this service fee. 

8.    Minimum  Payment. If your New Balance is $30 or less, your Minimum  Payment 
will  be the New Balance.  Otherwise,  it will  be the greater  of (i) $30;  or (ii) equal to 
the  total  billed  Interest  Charges  (excluding  Balance  Transfer  Fees, Cash Advance 
Fees, Foreign  Transaction  Fees, and Cash Equivalent  Transaction  Fees), and  any 
billed  Late Payment  Fees and 1%  of the New Balance. Any amount  past  due and 
any amount  over your Total Credit Limit  or Cash Advance Limit  may  be added to 
the  Minimum  Payment.  Your Minimum  Payment,  exclusive  of  Interest  Charges, 
will  be rounded to the nearest whole dollar. 

The Bank  may  change  your  minimum   Amount  Due including  increasing  your 
Minimum  Amount Due subject  to applicable  Law. 

If  you   exercise   your   right  to  cancel   contained   in  a   change-in-terms 
notification,   the  Bank  may  increase  your  Minimum   Amount  Due.  The  Bank 
may  require  a  method  in which  the  minimum   periodic  payment  includes  a 
percentage  of the  outstanding  balance  that  is twice  the  percentage  required 
before  the  increase  or a  method  which  incorporates  an  amortization  period 
of  not less  than 5 years.  The Bank  may  also  choose  a  method  that  is no less 
beneficial  to you than the other two  methods previously described. 

9.    Annual  Percentage  Rate.  We  calculate  the  Interest  Charge  on  Purchases, 
Balance   Transfers,   Cash   Advances,   and   Cash   Equivalent   Transactions 
(each,  a  Transaction  Type)  using  daily  periodic  rates  which  are  1/365th   of 
the  corresponding  Annual  Percentage  Rate.  Your  daily  periodic  rate  and  the 
corresponding   Annual  Percentage  Rate  for each  Transaction   Type  (each,  a 
Standard  Rate)  are  shown  on  your  Pricing  Addendum  and  Statement.  Your 
Standard  Rates  may  be  either  fixed  or variable:  your  Pricing  Addendum  and 
Statement  disclose  whether  you  have fixed  or variable  Standard  Rates. If  your 
Standard  Rates are  variable,  your  Standard  Rates may  vary  monthly  and  will 
be  reset  on  the  first  day  of each  billing  cycle  by  adding  an  index  (Index) to 
a  margin  for  each  Transaction  Type.  The  Index  is determined  monthly  and  it 
is the  three  month  LIBOR (London  Interbank  Offered  Rate)  published  in the 
northeastern  edition  of The Wall Street Journal  in its  Money Rates table on the 
first  day of the  preceding  month  rounded  up  to the  nearest  one-quarter  of a 
percentage point.  If the first  day of the preceding month  is not a business day, 
the  Bank  will  use  the  three  month  LIBOR published  on the  next  business  day. 
If more  than  one  three  month   LIBOR is published  in The  Wall  Street  Journal 
Money  Rates table,  we  will use  the  highest  three  month  LIBOR. In  the  event 
that  The  Wall  Street  Journal  ceases  to be  published  or ceases  or otherwise 
does  not  publish  the  three  month  LIBOR, we  may  use  the  three  month  LIBOR 
published in  any other newspaper of general circulation,  or we may substitute 
a  similar  Index  at our  sole  option.  Your  margins  are  shown  on  your  Pricing 
Addendum.  If  your  Standard  Rates  are  variable,   your  Standard  Rates  will 
increase if the  Index increases.  Any increase  in  your Standard Rates will  apply 
to all unpaid  Purchases,  Balance  Transfers  and  Cash  Advances  (regardless 
of the  transaction  date)  and  will increase  the  Interest  Charge  and  your  New 
Balance and may increase the Minimum  Payment. 

10.  Interest  Charge. The Interest  Charge consists  of  (a) the application of certain 
periodic  rates  to a  Daily  Balance  (Periodic  Interest  Charges)  for Purchases, 
Cash Advances  and  Balance  Transfers  (including  current  transactions)  and  (b) 
the  Cash Advance  Fees, Foreign  Transaction  Fees and  Balance  Transfer  Fees 
(Transaction  Fee Interest  Charges), as applicable. 

a)     Periodic  Interest  Charges. 

(i)    In  General.  We  calculate   the Periodic  Interest   Charge  separately 
for  each   Transaction   Type   (Purchases,   Balance   Transfers,   Cash 
Advances,  and  Cash  Equivalent  Transactions)  by  determining  the 
Daily  Balance  for  each  Transaction  Type  each  day,  multiplying   each 
Daily  Balance by  the  applicable  daily  periodic  rate  and  adding  them 
together.  If you  have  a  promotional  rate  in effect,  we  calculate the 
Periodic Interest  Charge for  promotional  rate  transactions  separately 
in the  same manner  for the respective  Transaction  Type to which  the 
promotional rate applies. 

(ii)   Determining  the  Daily  Balance.  We  determine  the  Daily  Balance  for 
each  Transaction  Type by  (i) taking  the  beginning  balance  each  day, 
(ii)  adding  any  new  transactions  (including  any  applicable  fees  and 
other  charges) and  other  debits,  (iii)  subtracting  payments  and  other 
credits,  for  the  Transaction  Type, (iv) making any other adjustments, 
and  (v) adding  accrued  Interest  Charges for  that  day.  This  gives  us 
the  Daily  Balance.  This  method  results  in the  daily  compounding  of 
Interest  Charges. If any  day’s  Daily  Balance  is a  credit  balance,  we 
will  treat it as  a  balance  equal  to  $0.00  when  we  calculate  the  Daily 
Balances for the billing  cycle. 

(iii)   Total Periodic Interest  Charges. We add together  the  Periodic Interest 
Charges   for  each   Transaction   Type   to  determine   total Periodic 
Interest Charges for that  billing  cycle. 

b)     Transaction   Fee  Interest   Charges.   We  will  charge   you  the following 
Transaction   Fee   Interest   Charges   (Transaction   Fees ),   as   applicable: 
Balance  Transfer  Fees on Balance  Transfers,  Cash Advance Fees on Cash 
Advances,  and the  Foreign  Transaction  Fee on certain  Cash Advances  and 
Purchases. 

Transaction  Fees are Interest  Charges. 

c)     Total  Interest   Charges.  All  Transaction  Fee  Interest   Charges  charged 
to  your   Account   during a   billing cycle plus total Periodic   Interest 
Charges  for that billing   cycle  equal  the total Interest   Charge  for that 
billing cycle. There   will  be   a   $1.50 minimum    Periodic   INTEREST 
CHARGE   in  any   billing cycle in  which a   Periodic   Interest   Charge 
is  due.   For   the purpose   of  the minimum    Periodic   Interest   Charge 
calculation,  all  Transaction  Fee Interest  Charges are not included. 

d)     Periodic  Interest  Charges  on  the  Statement.   On  the  Statement,  you  will 
see  the  “Average  Daily  Balance”  for  each  Transaction  Type.  The  Average 
Daily Balance for  each Transaction  Type is  determined  by  adding  up  all  of 
the  Daily  Balances  for  that  Transaction  Type and  dividing  the  total  by  the 
number  of days in the billing  cycle. In the case of transactions  posted after 
the  end  of the  previous  billing  cycle,  adding  up  all of the  Daily  Balances 
for  those  Transaction  Types  and  dividing  by  the  number  of  days  between 
the  respective  transaction  dates  and  the  end  of the  current  billing  cycle. 
If you  multiply  the  Average  Daily  Balance  for a  Transaction  Type  by  that 
Transaction  Type’s  daily   periodic   rate,  and  multiply   the result  by  the 
number  of  days in  the  billing  cycle,  the  total  will  approximate the  Periodic 
Interest  Charges for  that  Transaction  Type attributable  to  the  billing  cycle, 
except for minor variations due to rounding. 

Additionally,  if you  did  not  pay  the  New  Balance  from  a  previous  billing 
cycle  in full,  Interest  Charges continue  to accrue  to your  unpaid  balance 
until  the  unpaid  balance is paid  in full.  This  means  that  you  may  still  owe 
Interest  Charges, even if you pay the  entire  New  Balance indicated  on the 
front  of your  Statement  by  the  next  Statement  closing  date,  but  did  not 
do  so  for the  previous  month.  Unpaid  Interest  Charges  are  added  to the 
applicable  Transaction  Type of  your  Account.  The  Periodic  Interest  Charge 
may  be  referred  to on  the  Statement  and  other  places  as  “interest”   or 
“finance charge.” 

11.  When the Periodic Interest  Charge Begins. 

a)     Purchases.  Interest   Charges  for Purchases  will begin  to accrue  on  the 
transaction date and will  continue to accrue until payment in full is credited 
to  your  account.  The transaction  date  for  Purchases is the  day  you  made 
the  Purchase  as  shown  on  a  Statement.   You  can  avoid  paying  Periodic 
Interest  Charges  on  Purchases  in any  billing  cycle  if you  always  pay  the 
entire  New  Balance  on  your  current  Statements  by  the  Payment  Due Date 
(the  “grace  period”).  In  addition,  if you  paid  your  previous  balance  in full 
by  the  Payment  Due  Date,  you  will not  be  charged  any  Periodic  Interest 
Charges on any portion  of new  purchases  when  they are first  billed  on your 
current monthly  statement if you make  a payment  during  the month  when 
first  billed  and we  allocate  such  payment  under the allocation  scheme (see 
Section  7) to  your new  purchases.  The Payment Due Date will  be at  least 
twenty-one  (21) days from  the Statement  Date. 

b)     Balance  Transfers   and  Cash  Advances.  There  is  no  grace  period  for 
Balance   Transfers   or  Cash  Advances,  unless   a   special   promotional 
offer  applies.  You will always  pay  a  Periodic  Interest  Charge  on  Balance 
Transfers  and  Cash Advances  from  the  transaction  date  to the  date  you 
pay  the  amount  in full.  This will be  true  even  if you  pay  the  entire  New 
Balance  shown  on  your  Statement  by  the  Payment  Due  Date  for every 
Statement.   The  transaction   date  for Balance  Transfers  is the day  you 
made  the  Balance  Transfer  as  shown  on  a  Statement.  The  transaction 
date  for  Cash  Advances  and  related  Cash  Advance  Fees  is the  day  you 
received  the Cash Advance. 

12.  Credit  Balance.  If your  New  Balance  is a  credit  balance,  we  will refund  the 

amount  of the credit  to you promptly,  if you request  us to do so in writing, or 
as required by law. If you have a credit balance that is less than $1,000  or such 
other amount as we may determine,  you may be able to request  a refund  over 
the  telephone.  If you  have  a  credit  balance  at the  end  of a billing  cycle  and 
you  have Purchases,  Balance  Transfers  or  Cash Advances balances,  we  may 
transfer the credit  balance to the other balances. 

13.  Cards,   Balance   Transfer   Checks   and Convenience   Checks.   Any   Cards, 
Balance Transfer Checks or Convenience Checks issued to you belong to us. You 
agree to sign each Card before  you use it. You agree to return  your Cards, Balance 
Transfer Checks and Convenience Checks to us at any time,  if we ask you. When 
ther  party acting  on our behalf 
you present  your Card, we,  a merchant,  or any o 
can retain your Card, without  prior notice to you. 

14.  Default. 

a)     Default  Defined. 

If any one of the following  events happen, you are in Default: 

(i)      you fail to make a Minimum  Payment by the Payment Due Date; 

(ii)      you exceed either your Cash Advance Limit  or your Total Credit Limit; 

(iii)     you  gave  us  incomplete  or  false  information  to  get  your  Account  or 

when we requested additional information  from  you; 

(iv)    you make or permit  to  be made any transaction that  is illegal  under 

any state or federal law; 

(v)     you break any promise you made to us in this  Agreement; 

(vi)    you become delinquent  on one or more  accounts  you have with  us, 
which  in our  determination  adversely  affects  your  ability  to meet 
your obligations under this Agreement; 

219668WL_M409-3_Prt8.indd   1 

5/1/12    6:40  PM 

 
 
  
  
  
 
 
 
 
 
 
 
 
 
your  Account  is closed  within  30 days  after  we mailed  your  Statement  on 
which  the  fee  was  charged  to  your  Account.  You may  pay any Balance due on 
your Account in full  at any time. 

25.  Questions. Write to: Credit Card Services – Customer  Service,  P.O. Box 7092, 
Bridgeport,   CT  06601   or call TOLL   FREE  1-800-426-1114  if  you  have  any 
questions  about  your  Account  or this Agreement.   A  telephone   call will not 
preserve your rights  under federal law. 

26.  Force Majeure.  Except as  otherwise  required  by  applicable  law,  we  are  not 
responsible and will  incur  no liability  to  you for  any failure, error, malfunction 
or any  delay  in carrying  out  any  of our  obligations  under  this  Agreement  if 
any  such  failure,  error,  malfunction  or  delay results  from  causes  beyond our 
reasonable control. 

27.  Credit  Reporting  Notice,  Messages  and  Liability.  We may report information 
about  your  Account  to credit  bureaus.  Late  payments,  missed  payments,  or 
other  defaults  on  your  Account  may  be  reflected  in your  credit  report.  You 
authorize  us  to collect  information  about  you  including  credit  reports  from 
consumer  reporting  agencies.  If you  believe  we have  furnished  inaccurate 
or incomplete   information   about  you  or your  Account  to a  credit  reporting 
agency,  write  to  us  at:  Disputes,  P.O. Box  7092,  Bridgeport,   CT 06601.  Please 
include  your  name,  address,  home  phone  number  and  Account  number,  and 
explain  what  you  believe  is inaccurate  or incomplete.   You  agree  to accept 
calls  or text  messages from  us, or anyone acting  on our behalf, to any number 
you  provide  or to any  number  at which  we  reasonably believe that  we  may 
contact  you (including  calls  and  text  messages to  mobile,  cellular  and similar 
devices). You agree that  the  calls  may  be  monitored  and/or  recorded  or  may 
use  autodialing  and/or  recorded  messages.  You agree  that  calls  concerning 
your  Account  are not  unsolicited.  You also  agree to  receive  emails  from  us  to 
any  address  where  we  reasonably  believe  that  we  may  contact  you.  We are 
not  liable  for  any refusal  to  honor  your  Account.  This can include  a refusal  to 
honor  your  Card or  Account  or  any  check  written  on  any  transaction  on  your 
Account.  We  are  not  liable  for any  retention  of your  Card  by  us,  any  other 
financial  institution,  or any provider of goods or services. 

We  cannot  ensure  against  unauthorized  inquiries   about  or access  to your 
Account  or  Account  information.  You agree  that  so  long  as we  are complying 
with  applicable law  and regulation that  we  will  not be responsible or liable for 
the  release  of  information  to  anyone  who  has  gained  access to  your  Account 
or Account information. 

28.  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: Credit  Card 
Services – Disputes,  P.O. Box 7092,  Bridgeport,  CT 06601-3211 

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.  Purchases made 
with cash  advances  from  an  ATM  or with a  check  that  accesses  your 
credit  card account do not qualify. 

3.   You must  not yet have fully  paid for the purchase. 

If all of the criteria   above  are  met and  you  are  still dissatisfied  with the 
purchase, contact  us in writing  at: Credit Card Services – Disputes,  P.O. Box 
7092,  Bridgeport,  CT 06601-3211. 

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. 

(vii)   you  are  not  paying  your  debts  as they  become  due  or  you  become 
foreclosure,  garnishment, 

insolvency, 

involved 
in  bankruptcy, 
repossession or similar  proceedings; 

(viii)   you make a payment that is returned or dishonored for any reason; or 

(ix)     we otherwise  reasonably  believe  you  won’t   keep  your  promises 

made in this Agreement or pay what  you owe. 

b)     Bank Remedies for  Default. 

(i)    If you are in Default, we may do any of the following things: 

                     •     The  Bank  may reduce your  Total  Credit  Limit and/or your  Cash 
Credit   Limit, increase    your   Minimum    Payment,   close   your 
Account  or suspend  or terminate  credit  privileges.  If the  Bank 
closes your Account, the Bank may cancel your privilege to make 
further   Purchases,   receive   Cash  Advances,   or  write Balance 
Transfer  Checks or Convenience Checks. 

                     •     If you  are in Default, you understand   and agree that a negative 
report reflecting  on your  Account may  be submitted  to  consumer 
reporting agencies. 

                     •     Apply  the Penalty  Rate to all Purchases,  Balance  Transfers  and 
Cash  Advances  that  occur  more  than  14 days  after  we  provide 
notice to you. 

                     •     If Section  14(b)(i) applies,  the Penalty  Rate  will apply indefinitely. 

(ii)   If we do not receive your Minimum Amount Due within  60 days after 

the Payment Due Date for such payment, the Bank may: 

                     •     Apply the Penalty Rate to all your existing balances and all future  

Purchases, Balance Transfers  and Cash Advances. 

                     •     If Section   14 (b)(ii) applies   and for  six consecutive  billing cycles 
following  the  cycle  in which   the  Penalty  Rate  is imposed,  you 
comply  with all the terms  of  your  Agreement,  including,   but 
not  limited to,  making   all  required   Minimum   Payments   by 
their   Payment  Due  Dates,  the  Bank  will reinstate  your  Annual 
Percentage  Rate  on  Purchases,  Balance  Transfers  and  Cash 
Advances. 

(iii)  Before  we apply  a  Penalty  Rate,  we will provide  notice  to you  as 
required  by  applicable  law.  The notice  will  describe  the  Penalty Rate, 
its duration and which  outstanding and/or future  transaction to which 
the Penalty Rate will  apply. 

15.  Collection   Costs.  If  you  are  in  Default,  we may refer your  Account  for 
collection  or take  any other actions permitted  by this  Agreement or applicable 
law.  If we do,  you  agree  to pay  the reasonable  fees  and  expenses  of our 
collection  agency  or other  person  collecting  your  Account,  as  permitted   by 
law. We  may  also  sue  you  to collect  the amount  due.  If we do  that,  you 
agree  to  pay  all  court  costs  and  expenses of  collection,  including  reasonable 
attorneys’  fees as allowed by law. 

16.  Account  Fees.  You agree  to pay the  following  Account Fees, as applicable. 
Each   of  the Account   Fees,  except   Cash  Advance   Fees,  are   treated   as 
Purchases when  charged  to  your  Account.  Cash Advance Fees are treated  as 
Cash Advances when  charged to your Account. 

a)     Transaction  Fees. 

(i)    Cash  Advance   Fee.  For  each   Cash  Advance,   we will charge  your 
Account  a  fee  (Cash Advance  Fee) up  to three percent (3%)  of the 
U.S. Dollar  amount  of  the  Cash Advance,  but  not  less  than  a minimum 
Cash  Advance  Fee  of $10.  This  fee  is an  INTEREST  CHARGE.  We 
charge Cash Advance Fees in addition  to Periodic Interest  Charges. 

(ii)   Foreign  Transaction  Fee. When  you  use  your  Card  in another  country 
to obtain  cash  or  to purchase  goods  or  services,  we  will charge  your 
Account  a  Foreign  Transaction  Fee  equal  to the  greater  of (i)  $1.50 
or (ii)  our  Issuer  Fee of two  percent (2%)  of the  U.S. Dollar  amount 
of the transaction,   plus  a  Card  Association   Fee;  (a)  For  Visa®   Card 
transactions  in another  country,  we  will charge  your  Account  a  Card 
Association  Fee of  one percent  (1%)  of  the  U.S. Dollar  amount  of  the 
transaction;  (b) for  MasterCard transactions  in  another country  that  are 
made  in  U.S. Dollars,  we  will  charge  your  Account  a Card Association 
Fee of  eight-tenths  of  one percent  (0.8%)  of  the  U.S. Dollar  amount 
of the  transaction;  or (c)  for MasterCard  transactions  in a  currency 
other  than  U.S. Dollars,  we  will  charge  your  Account  a Card Association 
Fee of  one percent  (1%).  The Foreign  Transaction  Fee is  an INTEREST 
CHARGE. 

(iii)  Balance  Transfer  Fee.  Unless  a  special  promotional   offer  or other 
offer  applies,  we will charge  your  Account  a  Balance  Transfer  Fee 
for each  Balance  Transfer  in an  amount  up to four  percent  (4%) 
of the  U.S. Dollar  amount  of the  Balance Transfer, but  not  less  than 
a  minimum   Balance  Transfer  Fee of $10.  This  fee  is an  INTEREST 
CHARGE. We  charge   Balance   Transfer   Fees  in addition  to Periodic 
Interest  Charges. 

(iv)   Cash  Equivalent   Transaction   Fee.  Cash  Equivalent   Transactions   are 
those  transactions   performed  using  a  merchant   or service  provider 
that Visa  or MasterCard  identifies   as  a  seller   of travelers  checks, 
foreign  currency,  money  orders,  wire  transfers,  lottery  tickets,  funds 
used  for wagers  or gambling,  or similar  products  or services.  For 
Cash  Equivalent  Transactions,   we will charge  your  Account  a  Cash 
Equivalent  Transaction  Fee equal  to the  greater  of five percent  (5%)  of 
the  Cash Equivalent  amount  or $20.  This  fee  is  an INTEREST CHARGE. 
We  charge  Cash  Equivalent   Transaction   Fees  in addition  to Periodic 
Interest Charges. 

b)     Other Account  Fees. 

(i)    Annual  Membership   Fee.  Please  refer  to your  Pricing  Addendum  to 
determine if an Annual Membership  Fee applies to your Account. 

(ii)   Card Replacement Fee. If we  replace  a stolen,  lost  or damaged  Card, 
we  may  charge  your  Account  a  Card  Replacement  Fee of $10.  We 
may  charge  additional  fees for  expedited  or  overseas delivery of your 
replacement  Card. 

(iii)  Late  Payment  Fee.  We  may  charge  your  Account  a  Late  Payment 
Fee if we  do not receive your Minimum  Payment by the Payment Due 
Date. Your Late Payment Fee is $25  for the first  occurrence  and up to 
$35 for additional occurrences during the next six billing  cycles. In no 
event  will  your  Late  Payment  Fee exceed the  Minimum  Payment.  No 
late fee will  be assessed if your Minimum  Payment is less than $30. 

(iv)   Copy Fee.  We may  charge  your  Account  a  Copy Fee of $5  for  each 
page  of  photocopy  of  any  sales  slip  or  other  record  of  your  Account 
plus  $30  per hour for  the time  it takes  our  employees  or  agents  to 
make the copies, to the extent permitted  by law. 

(v)    Stop  Payment  Fee.  We  may  charge  your  Account  a  Stop  Payment 
Fee  of $29  when  you  request  that  we  stop  payment  of a  check  you 
have requested  under  Section  4 of  this  Agreement (including  Balance 
Transfer  Checks  and  Convenience  Checks).  You  may  make  a  stop 
payment   request   by  calling   us  TOLL  FREE at 1-800-426-1114   or by 
writing  to:  Credit  Card Services  – Customer  Service,  P.O. Box  7092, 
Bridgeport,  CT 06601.   We will  accept  a stop  payment  order  only  if we 
have reasonable  time  to act  on  the  order  before  we  pay  the  item  or 
become legally obligated to do so. 

17.  Foreign Transaction/Currency  Conversion. If  you use your  Card or  Account 
in another  country  to obtain  cash  or to purchase  goods  or services  in a 
currency   other   than   U.S.  Dollars,   MasterCard  or Visa  (whichever   applies) 
will convert  the  amount  of the  charge  in foreign  currency  into  a  U.S. Dollar 
amount.  To make  this  conversion,  MasterCard or  Visa will  use  the  procedure 
set  forth  in  their  respective  operating  rules.  MasterCard and  Visa may  change 
the  procedures from  time  to time  at  their  discretion.  Those rules  provide that 
MasterCard  or Visa  may  make  the  conversion  to U.S.  Dollars  using  either  a 
(a) government-mandated   rate  or  (b)  rate  selected  by  Visa or  MasterCard  as 
applicable,  from  a range  of  rates  available  in wholesale  currency  markets.  In 
either  case,  the  rate  used  will be  the  rate  in effect  on the applicable central 
processing  date  Visa or  MasterCard  as  applicable,  processes  the transaction, 
increased  by the Foreign  Transaction  Fee (Issuer Fee and the Card Association 
Fee set  forth  in Section  16(a)(ii) as  applicable).  The currency  conversion  rate 
in  effect  on the  processing date may  differ  from  the  rate  in  effect  on the  date 
of your  transaction.   You  agree  to accept  and  pay  the U.S.  Dollar  amount 
converted from  a foreign  currency as provided in this  Section. 

For  Visa  Card  transactions,   if a  credit  is subsequently  given  for a  transaction, 
Visa will  use  the  currency  conversion  procedure  described  above.  The  currency 
conversion rate in effect  on the original  transaction date may  differ  from  the rate 
in effect  on  the  date  the  transaction  credit  was  issued.  We  will deduct  three 
percent  (3%) (the  Issuer  Fee and the  Card Association  Fee as described  above in 
Section  16(a)(ii)) of the transaction  from  this  amount.  This means  that  the amount 
of the credit  may be different  from the amount that  was originally  charged to your 
Account for the transaction. 

For  MasterCard   Card  transactions,   if  a  credit   is  subsequently   given  for a 
transaction,  MasterCard  will  use  the  currency  conversion  procedure  described 
above. The currency  conversion rate on the original  transaction  date may differ 
from  the  rate  in effect  on  the  date  the  transaction  credit  was  issued.  We will 
deduct the Card Association Fee and the Issuer Fee described  above in Section 
16(a)(ii) from  this  amount.  This  means  that  the  amount  of the  credit  may  be 
different  from  the  amount  that  was  originally  charged  to  your  Account  for  the 
transaction. 

18.  Changing Terms of Agreement. We may  change terms  of this  Agreement at 
any  time.  If required  by  applicable  law,  we  will provide  notice  of the  change 
to you before the effective  date of the change. 

19.  Notices.  You promise  to  notify  us  promptly  of  any change  in  your  address.  We 
will  send Statements  and notices  to  your last  known  address. If there  are two 
or  more  persons  obligated  under  this  Agreement,  we  can  send Statements  and 
notices to any one of these persons. 

20.  Lost or Stolen  Cards/Unauthorized  Use. You will  not  be liable  for  the  use of 
your  Card that  occurs  after  the  loss,  theft  or unauthorized  use  of your  Card, 
provided  that  you  notify  us  of such  loss,  theft  or possible  unauthorized  use 
within   a  reasonable  period  of time  after  you  knew  or should  have  known 
of such  loss,  theft or possible  unauthorized   use.  To  report   loss,  theft or 
unauthorized  use  call TOLL   FREE  1-800-443-0164.  If you  fail to notify  us 
within  a  reasonable period  of  time  after  such  loss,  theft  or  unauthorized use, 
your liability will  not exceed $50. 

21.  Applicable Law. This Agreement and the use of your Account are governed by, 
and interpreted  under, federal law  (including but  not limited  to  the laws,  rules 
and  regulations  applicable  to national  banks),  the  United  States  Arbitration 
Act and,  to  the  extent  not  governed or  preempted  by federal  law,  Connecticut 
law,  applicable to contracts  made and to be performed in  Connecticut without 
reference  to principles  of conflict  of laws.   The  legality,  enforceability   and 
interpretation  of this Agreement  and  the amounts  contracted  for, charged 
and received under this  Agreement will  be governed by such  laws.  We accept 
this Agreement  in Connecticut.  Decisions  about  granting  credit  to you  and 
all credit  extended  under  this  Agreement  are  made  by  us  from  Connecticut. 
Federal  and  Connecticut  law  also  apply  to any  controversy,  claim  or dispute 
arising  from  or relating  in any  way  to the  subject  matter  of this  Agreement 
or  your  Account, including  statutory,  equitable  and tort  claims.  If any  part  of 
this  Agreement becomes invalid  under  applicable  law,  the  remainder  of this 
Agreement will  remain valid and in effect. If your  Account  is subject  to  a law 
setting  maximum  loan,  rates,  fees  or charges which  is finally  interpreted  so 
that  the  charges  on  your  Account  would  exceed  permissible  limits,  then  any 
such charge will  be reduced (including retroactively) to permitted  limit  and any 
amounts collected from you exceeding those limits  will  be refunded to you. 

22.  Delayed  Enforcement.  We can  delay  enforcing  any  of our rights  under this 

Agreement without  losing any of them. 

23.  Assignment.  We may  at any time,  and without  notice  to you,  sell,  assign  or 
transfer  your  Account,  any  amount  due  on  your  Account,  this  Agreement  or 
our rights  and obligations  under your Account or this  Agreement to any person 
or  entity.  The person  or  entity  to whom  we  make  any such  sale,  assignment 
or transfer  is entitled  to all of our  rights  and  subject  to all of our  obligations 
under this Agreement, to the extent sold, assigned or transferred. 

24.  Cancellation.  Even if you  are  not  in Default,  we  may  at any  time  (a) reduce 
your  Total  Credit  Limit  and  Cash  Advance  Limit,  (b)  close  your  Account,  (c) 
cancel  or suspend  your  privileges  to make  further  Purchases  and  Balance 
Transfers  or obtain  Cash  Advances,  or (d)  cancel  or suspend  any  Account 
privileges  or benefits.  We can also reissue a different  Card to you at any time. 

When your  Account  is closed,  you  must  contact  anyone  authorized  to  charge 
transactions  to  your  Account, such  as Internet  service providers,  health  clubs 
or insurance  companies.   These  transactions   may  continue  to be  charged 
to your  Account  until  you  change  the billing.  Also,  if  we believe  you  have 
authorized a transaction  or are attempting  to  use your Account after  you have 
requested to  close  the  Account,  we  may  allow  the  transaction  to  be  charged 
to your  Account  and  you  will be  responsible for  payment  under  the  terms  of 
this Agreement. 

If you open a Joint Account, any one of you who is a Joint Account holder may 
close  your  Account  at  any  time  by  (i) sending  a  written  request  to  close  your 
Account  signed  by  that  person  to:  Credit  Card  Services  – Customer  Service, 
P.O. Box  7092,  Bridgeport,  CT 06601  or (ii)  calling   TOLL  FREE 1-800-426- 
1114.   We  may  immediately   close  your  Account  after   we receive  such   a 
request  without  giving  notice  to the  other  Joint  Account  holders.  You  agree 
you will  not  hold  us responsible for  any costs,  damages or inconvenience you 
suffer as a result of the closing of your Account by any Joint Account holder. 

If you  or any  Joint  Account  holder  closes  your  Account  or if we close  your 
Account,  you  may  not  make  any  further  Purchases and  Balance Transfers  or 
obtain  Cash Advances.  If you  use  your  Account  and  we  either  by  mistake  or 
otherwise  extend credit  to you after  your Account has been closed, you remain 
responsible  for paying  those  charges.  If we,  you,  or a  Joint  Account  holder 
closes  your  Account,  we may,  at our  option,  require  you  to pay  the  entire 
Balance of  your  Account  at  once or  permit  you to  pay the  Balance in monthly 
payments  as  provided  in this  Agreement or otherwise  as  we  determine.  We 
will not  charge  your  Account  an  Annual  Membership  Fee  after  it is closed. 
Other  Account  Fees  such  as  a  Late  Payment  Fee  will apply,  as  applicable. 
If any  Joint  Account  holder  decides  to close  your  Account  after  the  Annual 
Membership  Fee is billed,  we will  remove the fee from  your Account provided 

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INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When It Applies 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Annual Fee 
Transaction Fees 
• Balance Transfer 

• Cash Advance 

• Foreign Transaction 

Penalty Fees 
• Late Payment 
• Returned Payment 
• Over-the-Credit Limit 

12.99% to 20.99%. This APR will be based on your 
creditworthiness and will vary with the market based on 
LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
12.99% to 20.99%. This APR will be based on your 
creditworthiness and will vary with the market based on 
LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
21.99%. 
This APR will vary with the market based on LIBOR.* 
Up to 29.99%. 
This APR may be applied to your account if you: 
(1) Fail to make the minimum payment by the payment due 
date; 
(2) Exceed your Cash Advance Limit or your Total Credit Limit; 
(3) Provide false information to us; 
(4) Use the Account for an illegal transaction; 
(5) Do not pay debts (including other accounts with us) when 
due; 
(6) Make a payment that is returned or dishonored, or; 
(7) Fail to keep a promise under the agreement or we believe 
you will not keep a promise, including making payments. 
How Long Will the Penalty APR Apply? If your APRs are 
increased due to any default (as described above), the Penalty 
APR will apply indefinitely. 
Your due date is at least 21 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay 
your entire balance by the due date of each month. You will 
pay interest on Cash Advances, Balance Transfers and 
Convenience Checks from the transaction date. 
If you are charged interest, the charge will be no less than 
$1.50. 
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 

None 

Either $10 or up to 4% of the amount of each transfer, 
whichever is greater. 

Cash Loans, ATM Loans, and Convenience Checks: Either 
$10 or up to 3% of the amount of each advance, whichever is 
greater. 

Cash Equivalent Transactions: Either $20 or 5% of the amount 
of each advance, whichever is greater. 

Either $1.50 or 3% of the U.S. dollar amount of each 
transaction, whichever is greater. 

Up to $35 
None 
None 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balances (including new purchases).” See Cardholder 
Agreement for more details. 

Loss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if any event included in the description of above 
Penalty Rate applies. 

* Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index 
to a margin of 12.74-20.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 
percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the 
northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest 
one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR 
published on the next business day. 

The information about the costs of the card described in this application is accurate as of September 30, 2014.  This information may have 
changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write us at Credit Card Services, P.O. Box 
7092, Bridgeport, Connecticut 06601-7092.