What  this  means  for  you:  When  you  open  an  account,  we 
will  ask  for  your  name,  address,  date  of  birth,  and  other 
information that will allow us to identify you. We may also 
ask to see a form of identification with your photograph or 
other identifying documents

IDENTIFICATION THEFT. To protect our accountholders, we 
will  verify  the  accountholder’s  identity  during  the  account 
opening process (as required by the U.S. Patriot Act) or at 
other times that we deem reasonable.  If we are not able to 
form a reasonable belief as to the accountholder’s identity, 
or if we have reason to suspect potential identity theft, we 
will notify the accountholder of the needed information:

(A) At the accountholder’s current address; or

(B) By any other means of communication that we and the 

accountholder have previously agreed to use.

If  you  have  any  questions  regarding  our  procedures, 
please  notify  us  by  calling  our  customer  service  center 
(1-866-757-2720).   

PRIVACY.    Please  refer  to  the  Nationwide  Bank  Notice  of 
Privacy Policy concerning information collection and sharing, 
a  copy  of  which  can  be  obtained  on  our  website  at  www.
nationwidebank.com or by calling us at 877-422-6569.

TERMINATION. Either You or We may cancel Your Account, 
at any time, whether or not You are in default You will, in any 
case, remain liable to pay any unpaid balances according to 
the terms of Your Account.

TRANSACTION SLIPS. Your monthly statement will identify 
that  merchant,  electronic  terminal  or  Financial  Institution 
at which transactions were made, but sales, cash advances, 
credit or other slips cannot be returned with the statement.

GOVERNING  LAW.  This  Agreement 
is  controlled  and 
governed  by  the  laws  of  the  State  of  Ohio  except  to  the 
extent  that  such  laws  are  inconsistent  with  controlling 
federal law.

LOST CARDS OR CONVENIENCE CHECKS.  To report lost 
or  stolen  Credit  Cards  or  Convenience  Checks,  You  will 
immediately call Us at (866) 757-2720 or write to Us at P.O. 
Box 9215, Old Bethpage, NY 11804.

OWNERSHIP. Your Card remains Our property and may be 
cancelled  by  Us  at  any  time  without  notice.  You  agree  to 
surrender Your Card and to discontinue its use immediately 
upon Our request.

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER. 
We  will  issue,  upon  Your  request,  a  Personal  Identification 
Number  (PIN)  for  use  with  participating  Automated  Teller 
Machines  (ATMs).  This  PIN  is  confidential  and  should  not 
be  disclosed  to  anyone.  You  may  use  Your  PIN  to  access 
Your Account and all sums advanced will be added to Your 
Account balance. In the event a use of Your PIN constitutes 
an  Electronic  Fund  Transfer,  the  terms  and  conditions  of 
Your  Electronic  Fund  Transfer  Agreement  may  also  affect 
Your rights.

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash 
advance,  credit  or  other  slips  You  may  sign  or  receive 
when using Your Card contain terms, this Agreement is the 
contract  which  solely  applies  to  all  transactions  involving 
the Card.

UNAUTHORIZED USE. You may be liable for the unauthorized 
use of Your Card. You will not be liable for the unauthorized 
use  that  occurs  after  You  notify  Us  of  the  loss,  theft,  or 
possible unauthorized use by calling Us at (866) 757- 2720 
or by writing to Us at P.O. Box 9215, Old Bethpage. NY 11804. 
In any case, Your liability will not exceed $50.

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. 
We  are  not  liable  for  the  refusal  or  inability  of  merchants, 
financial  institutions  and  others  to  accept  the  Cards  or 
Convenience  Checks,  or  electronic  terminals  to  honor  the 
Cards or complete a Card withdrawal, or for their retention 
of the Cards or Convenience Checks.  

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in 
foreign countries and foreign currencies, the exchange rate 
between  the  transaction  currency  and  the  billing  currency 
(U.S.  dollars)  will  be:  (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. In each instance, plus 1.00% of the settlement amount   

GAMING AND WAGERING TRANSACTIONS.  This Account 
is not to be used for any gaming or wagering transactions, 
including  transactions  for  casino  chips,  bets,  wagers, 
Internet  gambling  or  any  other  gaming  or  wagering 
transaction.  We  will  decline  transactions  for  casino  chips, 
bets,  wagers,  Internet  gambling  or  any  other  gaming  or 
wagering transaction. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You 
credit for returns or adjustments, they will do so by sending Us 
a Slip which will be posted to Your Account. If Your credits and 
payments exceed what You owe Us, We will apply this credit 
against any future purchases and cash advances that You may 
make.  If the credit is $1.00 or more, We will refund it within 
seven business days from receipt of Your written request.  For 
any credit balance of $1.00 or more remaining in Your account 
for more than six months, We will refund the credit to You by 
check or credit to a deposit account that You have with Us.

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about Your rights 
and Our responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT 
YOUR STATEMENT

If  You  think  Your  statement  is  wrong,  or  if  You  need  more 
information  about  a  transaction  on  Your  Statement,  write 
to  Us  on  separate  sheet,  at  P.O.  Box  9215,  Old  Bethpage. 
NY 11804.  Write to Us as soon as possible.  We must hear 
from You no later than 60 days after We sent You the first 
statement on which the error or problem appeared.  You can 
telephone Us, but doing so will not preserve Your rights.

In Your letter, give Us the following information:

— Your Name and Account number.

— Dollar amount of the suspected error.

— Describe  the  error  and  explain,  if  You  can,  why  You 
believe there is an error.  If You need more information, 
describe the item You are not sure about.

If  You  have  authorized  Us  to  pay  Your  bill  automatically 
from  Your  savings  or  checking  account,  You  can  stop  the 
payment  on  any  amount  You  think  is  wrong.  To  stop  the 
payment,  Your  letter  must  reach  Us  three  business  days 
before the automatic payment is scheduled to occur.

YOUR  RIGHTS  AND  OUR  RESPONSIBILITIES  AFTER  WE 
RECEIVE YOUR WRITTEN NOTICE

We  must  acknowledge  Your  letter  within  30  days,  unless 
We  have  corrected  the  error  by  then.  Within  90  days,  We 
must  either  correct  the  error  or  explain  why  We  believe 
the statement is correct.  After We receive Your letter, We 
cannot  try  to  collect  any  amount  You  question,  or  report 
You  as  delinquent.  We  can  continue  to  bill  You  for  the 
amount  You  question,  including  Finance  Charges,  and  We 
can apply any unpaid amount against Your Credit Limit. You 

do  not  have  to  pay  any  questioned  amount  while  We  are 
investigating, but You are still obligated to pay the parts of 
Your statement that are not in question.

If We find that We made a mistake on Your statement, You 
will  not  have  to  pay  any  Finance  Charges  related  to  any 
questioned  amount.  If  We  didn’t  make  a  mistake,  You  may 
have to pay Finance Charges, and You will have to make up 
any  missed  payments  on  the  questioned  amount,  In  either 
case, We will send You a statement of the amount You owe 
and the date that it is due.

If you fail to pay the amount that We think you owe, we may 
report  as  delinquent.    However,  if  our  explanation  does  not 
satisfy You and You write to Us writing 10 day telling us that 
you still refuse to pay, We must tell anyone that we report You 
to that You have a question about Your bill and, We must tell 
You  the  name  of  anyone We  reported  You  to. We  must  tell 
anyone  We  report  You  to  that  the  matter  has  been  settled 
between Us when it finally is. If We don’t follow these rules, 
We can’t collect the first $50 of the questioned amount, even 
if Your statement is correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES. If You have 
a problem with the quality of property or services that You 
purchased  with  a  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 
property or services, There are two limitations on this right: 

a. You must have made the purchase in Your home state, 
or,  if  not  within  Your  home  state,  Within  100  miles  of 
Your current mailing address; and

b. The purchase price must have been more than $50.

These  limitations  do  not  apply  if  We  own  or  operate  the 
merchant,  or  if  We  mailed  You  the  advertisement  for  the 
property or services.

EQUAL CREDIT OPPORTUNITY ACT NOTICE

The federal Equal Credit opportunity Act prohibits creditors 
from  discriminating  against  credit  applicants  on  the  basis 
of  race,  color,  religion,  national  origin,  sex,  marital  status, 
age  (provided  the  applicant  has  the  capacity  to  enter  into 
a  binding  contract);  because  all  or  part  of  the  applicant’s 
income  derives  from  any  public  assistance  program;  or 
because the applicant has in good faith exercised any right 
under  the  Consumer  Credit  Protection  Act.    The  federal 
agency that administers compliance with this law concerning 
this  lender  is  the  Office  of  Thrift  Supervision,  Consumer 
Response Unit, 1700 G Street NW, Washington, DC 20552

U.S. PATRIOT ACT NOTICE 

IMPORTANT  INFORMATION  ABOUT  PROCEDURES  FOR 
OPENING  A  NEW  ACCOUNT  UNDER  THE  USA  PATRIOT 
ACT OF 2001

To  help  the  government  fight  the  funding  of  terrorism  and 
money laundering activities, Federal law requires all financial 
institutions  to  obtain,  verify,  and  record  information  that 
identifies each person who opens an account. 

Credit Card
Agreement and Disclosure

FeatUriNG VISA® Platinum

One Nationwide Plaza

Columbus, Ohio 43215

BKN-0589AO

G-10251

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND 
IT 
INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
LENDING DISCLOSURE STATEMENTS, VISA PLATINUM 
AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS 
REGARDING  THE  USE  OF  YOUR  VISA  PLATINUM 
CREDIT CARD AND ANY ACCOUNT ACCESS DEVICE. 
PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS 
ARE UNCLEAR.

DEFINITIONS.  In  this  card  Agreement.  The  reference 
to  “We”,  “Us”,  “Our”  and  “Bank”  mean  NATIONWIDE 
BANK.  The  words  ‘You’  and  “Your”  mean  each  person 
who accepts this Agreement or uses the VISA Platinum 
Credit Card. The words “Card” and “Credit Card” mean 
any  VISA  Platinum  Credit  Card  issued  to  You  by  Us 
and  any  duplicates  or  renewals.  The  word  “Account” 
means  the  credit  available  to  You  under  the  terms  of 
this Agreement. Convenience Checks mean the special 
Account access devices that We may provide for Your 
use  from  time  to  time.  If  this  is  a  joint  Account,  read 
singular pronouns in the plural.

PROMISE  TO  PAY.  You,  as  the  Borrower,  under  a 
Credit  Card  Agreement  and  Disclosure,  understand 
that the following terms and conditions constitute Our 
Agreement with You. Your Account may be accessible 
through  a  variety  of  means  which  could  include 
vouchers,  checks,  charge  slips,  convenience  checks, 
Credit  Cards  and  the  like.  Regardless  of  the  access 
means, You promise to pay Us all amounts charged to 
Your Account by You or by any user who has access to 
Your Account, with actual, apparent or implied authority 
for use of Your Account, including Finance Charges and 
other fees or charges described herein.

USE  OF  YOUR  CARD.  You  may  use  Your  Card  to  buy 
goods and services in any place that It is honored and to 
get cash advances at participating financial institutions. 
You  agree  not  to  use  Your  Card  for  illegal  transactions 
including,  but  not  limited  to,  advances  made  for  the 
purpose  of  gambling  and/or  wagering  where  such 
practices  are  in  violation  of  applicable  state  and/or 
federal law.  

SECURITY.  Collateral  (other  than  household  goods  or 
any  dwelling)  given  as  security  for  any  other  loan  You 
may  have  with  Us  will  secure  all  amounts  You  owe 
Us  now  and  in  the  future  if  that  status  is  reflected  in 
the  “Truth-in-Lending    Disclosure”  in  any  particular 
Agreement evidencing such debt.

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each 
specific Credit Limit for each Credit Card for which You 
are approved. Unless You are in default, any Credit Limits 
established for You will generally be self-replenishing as 
You make payments (except to the extent that  payments 
credited to your Account may not replenish Your Credit 
Limit for a period of 10 calendar days following the date 
such  payment  is  received).  You  will  keep  Your  unpaid 
balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand 

whether or not We authorize the advances which caused 
You  to  exceed  Your  Credit  Limit.  Even  if  Your  unpaid 
balance is less than Your Credit Limit, You will have no 
credit available during any time that any aspect of Your 
Account is in default.

JOINT  ACCOUNTS.  Each  Borrower  will  be  responsible, 
jointly and severally, for the repayment of any amounts 
owed. If any Account access device, such as a Personal 
Identification Number (PIN) is requested and approved, 
You understand that any such account access device(s) 
will be mailed only to the primary Borrower at the address 
that We have on file for You. We may refuse to follow any 
instructions which run counter to this provision.

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE). 
Though  You  need  only  pay  the  Minimum  Monthly 
Payments,  You  understand  that  You  have  the  right  to 
repay at any time without penalty. You also understand 
that You will only be charged periodic Finance Charges 
to  the  date  that  You  repay  Your  entire  balance.    You 
may  make  larger  payments  without  penalty.    Any 
partial payment or prepayment will not delay Your next 
schedule payment.  All payments to Us must be in lawful 
money of the United States.  

Payments  made  in  excess  of  the  Total  Minimum 
Payment  Due  will  be  applied  to  the  balance  with  the 
highest  Annual  Percentage  Rate  and  any  remaining 
portion to the other remaining balances in descending 
order based on the applicable Annual Percentage Rate. 
Your  Payment  Due  Date  will  remain  the  same  day  of 
the  month  and  will  be  at  least  25  days  from  the  close 
of the billing cycle. Any unpaid portion  of the Finance 
Charge  will  be  paid  by  subsequent  payments  and  will 
not be added to Your principal balance. You understand 
that any delay in the repayment of Your unpaid balance 
will  increase  Your  periodic  Finance  Charges  and  any 
acceleration  in  the  repayment  of  Your  unpaid  balance 
will decrease Your periodic Finance Charges.

Minimum Monthly Payments will be an amount equal to 
2.50%  of  Your  new  unpaid  balance  at  the  end  of  each 
billing  cycle,  subject  to  the  lesser  of  $50.00  or  Your 
balance,  plus  any  portion  of  the  Minimum  Payments 
shown  on  prior  statement(s)  which  remains  unpaid, 
plus  any  amount  that  exceeds  Your  approved  Credit 
Limit.  You  may,  by  separate  agreement,  authorize  Us 
to  charge  Your  payment  directly  to  Your  savings  or 
checking account.

FINANCE CHARGES. In the case of any transactions under 
Your Account, the balances subject to the periodic Finance 
Charge  are  the  average  daily  transactions  balances 
outstanding during the month (new and previous). To get 
the average daily balance, We take the beginning balance 
of Your Account each day, add any new purchases. cash 
advances,  insurance  premiums,  debit  adjustments  or 
other  charges  and  subtract  any  payments,  credits  and 
unpaid Finance Charges. This gives Us the daily balance. 
Then.  We  add  up  all  the  daily  balances  for  the  billing 
cycle and divide them by the number of days in the billing 

cycle. The Finance Charge for a billing cycle is computed 
by  multiplying  the  average  daily  balance  subject  to  a 
Finance  Charge  by  the  Monthly  Periodic  Rate.  You  can 
avoid  Finance  Charges  on  purchases  by  paying  the  full 
amount of the entire balance owed each month within 25 
days of Your statement closing date. Otherwise, the new 
balance of purchases, and subsequent purchases from the 
date they are posted to Your Account, will be subject to a 
Finance Charge.  Cash advances are always subject to a 
Finance Charge from the later of the date they are posted 
to Your Account or from the first day of the billing cycle in 
which the cash advance is posted to Your Account.

VARIABLE RATE:  Upon the expiration of any Introductory 
Rate,  all  transactions  described  in  the  Pricing  Document 
are subject to a Variable Rate that is based on the highest 
Prime  Rate  as  published  in  the  Money  Rates  section  of 
The Wall Street Journal in effect on the 15th day of each 
month  of  each  year  (‘Index’)  plus  Our  Margin.  The  Index 
plus the Margin equals the Interest Rate. An increase or a 
decrease in the Index will cause a corresponding increase 
or decrease in Your Variable Interest Rate on the first day 
of the billing cycle of the month immediately following any 
such change in the index.

An increase in the index means that You will have a higher 
Interest Rate and have a higher Minimum Payment Due.  
If the Wall Street Journal does not publish the U.S. Prime 
Rate, or if it changes the definition of the U.S. Prime Rate, 
we may, at our sole discretion, substitute another index.  
Your Interest Rate will never be greater than 24.99% and 
will apply to Your remaining principal balance.

For  the  applicable  Margin,  Index,  Monthly  Periodic 
Rate and corresponding Annual Percentage Rate, refer 
to  the  accompanying  Pricing  Document  that  We  have 
enclosed with and made a part of this Agreement.

FEES AND CHARGES. You will be charged certain fees 
and charges associated with the use of Your Card. For 
a complete list of those fees refer to the accompanying 
Pricing  Document  that  We  have  enclosed  with  and 
made a part of this Agreement.

OVERDRAFT  PROTECTION.  We  may  transfer  funds  in 
multiples of $100 (or in such increments as We may from 
time  to  time  determine)  to  Your  checking  account  by 
an advance on Your VISA Platinum Account, subject to 
this provision, to clear any Overdraft on Your checking 
account.  Whether  or  not  such  transfers  occur  will  be 
controlled by this Agreement In any event, You hold Us 
harmless for any and all liability which might otherwise 
arise if the transfer does not occur. Overdraft Protection 
automatically ceases if this Agreement is ever cancelled 
or terminated or Your Account is in default.

PERIODIC  STATEMENT.  On  a  regular  basis,  You  will 
receive  a  statement  showing  all  transactions  on  Your 
Account  including  amounts  paid  and  borrowed  since 
Your last statement.  We will mail You a statement each 
month in which there is a debit or credit balance or when 
a  Finance  Charge  is  imposed.  We  need  not  send  You  a 
statement if We feel Your Account is uncollectible or if We 
have started collection proceedings against You because 
You defaulted. Each statement is deemed to be a correct 
statement of account unless You establish a billing error 
pursuant to the Federal Truth-In-Lending Act

GRACE PERIOD. Your due date is at least 25 days after 
the close of each billing cycle.  We will not charge you 
any interest on purchases if you pay your entire balance 
by  the  due  date  each  month.    We  will  begin  charging 
interest  on  cash  advances  and  balance  transfers 
(balance  transfers  may  be  subject  to  any  introductory 
APR period) on the on the transaction date.  

DEFAULT ANNUAL PERCENTAGE RATE. A default APR 
may be applied to your account if you:

CREDITING  PAYMENTS  TO  YOUR  ACCOUNT.    We  will 
credit payments as of the date received if the payment is:

1. 

Make a late payment;

2. 

Go over your credit limit twice in a six-month period;

3. 

Make a payment that is returned; or

4. 

Do any of the above on another account that you 
have with us.

Should any of the above events occur, the Margin, Monthly 
Periodic Rate and corresponding Annual Percentage Rate 
applicable  to  Your  entire  balance  existing  at  that  time 
and in the future may immediately increase to the levels 
described in the accompanying Pricing Document that We 
have  enclosed  with  and  made  a  part  of  this  Agreement.  
This Penalty Rate will remain in effect until you make each 
total Minimum Payment Due by its payment due date and 
do  not  exceed  your  credit  limit  for  6  consecutive  billing 
cycles starting with the first billing cycle after the Penalty 
Rate is in effect.   Once You have made the 6 consecutive 
payments as described above, We will return your Annual 
Percentage Rate to its prior margin.   

•	

•	

•	

•	

If by mail, received by 5 p.m. on a normal business 
day at the address: 
Nationwide Bank 
P.O. Box 5708 
Hicksville NY 11802

If in person, received at one of our branches, by  4 
p.m. on a normal business day

Paid in U.S. dollars by cash, money order, draft, check 
or other similar instrument in properly negotiable form 
drawn on a U.S. financial institution, or by electronic 
fund  transfer  if  Nationwide  Bank  and  the  borrower 
have  so  agreed.  Only  your  payments  sent  via  mail 
must be either a check or money order. 

Sent in the return envelope with only the remittance 
portion of your statement included with the payment.  
(Do  not  fold  the  enclosed  check  or  remittance 
portion.  Do not include paper clips, staples, tape or 
other correspondence or more than one payment in 
the envelope.)

Payments  that  do  not  meet  these  requirements,  such 
as  payments  erroneously  sent  to  other  Nationwide 
P.O.  Boxes  addresses,  will  be  credited  not  more  than 
5  business  days  after  the  date  of  receipt  and  finance 
charges may accrue for the period between receipt and 
crediting of payments.

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE 
CHECKS.  We  are  under  no  obligation  to  honor  Your 
Convenience Checks if:

(1) by paying a Convenience Check, You would exceed 
Your  Credit  Limit;    (2)  Your  Cards  or  Convenience 
Checks  have  been  reported  lost  or  stolen:    (3)  Your 
Account  has  been  cancelled  or  has  expired.    If  a 
postdated  Convenience  Check  is  paid  and,  as  a  result, 
any  other  Convenience  Check  is  returned  unpaid,  We 
are not responsible for any resulting loss or liability.

DEFAULT. You will be in default if: (a) You do not make any 
payment or perform any obligation under this Agreement, 
or any other agreement that You may have with Us; or (b) 
Go over your credit limit twice in a six-month period; or 
(c)  Make  a  payment  that  is  returned;  or  (d)  You  should 
die,  become  involved  in  any  insolvency,  receivership  or 
custodial  proceeding  brought  by  or    against  You;  or  (e) 
You  have  made  a  false  or  misleading  statement  in  Your 
credit  application  and/or  in  Your  representations  to  Us 
while You owe money on Your Account; or (f) A judgment 
or tax lien should be filed against You or any attachment 
or  garnishment  should  be  issued  against  any  of  Your 
property or rights, specifically including anyone starting an 
action or proceeding to seize any of Your funds on deposit 
with Us: and/or (g) We should, in good faith, believe Your 
ability  to  repay  Your  indebtedness  hereunder  is  or  soon 
will be impaired, time being of the very essence. If You are 
in  default, We  may,  without  prior  notice  or  demand  and 
to the extent permitted by law, cancel Your rights under 
this Agreement, declare the entire unpaid balance of Your 
Account  immediately  due  and  payable,  and  require  the 
return of all access devices. 

COLLECTION  COSTS.  In  the  event  collection  efforts 
are  required  to  obtain  payment  on  this  Account,  to  the 
extent permitted by law, You agree to pay all court costs, 
private  process  server  fees,  investigation  fees  or  other 
costs incurred in collection and reasonable attorneys’ fees 
incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any collateral.

ENFORCEMENT. We do not lose Our rights under this or 
any related agreement if We delay enforcing them. We 
can accept late payments, partial payments or any other 
payments, even if they are marked “paid in full’ without 
losing  any  of  Our  rights  under  this  Agreement.  If  any 
provision of this or any related agreement is determined 
to  be    unenforceable  or  invalid,  all  other  provisions 
remain in full force and effect.  

NOTIFICATION OF ADDRESS CHANGE. You will notify 
Us  promptly  if  You  move  or  otherwise  have  a  change 
of  address.  As  part  of  our  processes  to  protect  our 

cardholders, we will verify all address change requests 
so  that  we  may  form  a  reasonable  belief  that  only 
authorized address changes are processed.  As one of 
our safeguards, we will not issue a card or other access 
device until we have successfully verified any requested 
address  changes.  In  accordance  with  our  policies 
and  procedures,  and  for  the  purpose  of  assessing  the 
validity of requested address change, we will notify the 
cardholder of the address change request:

(A) At the cardholder’s former address; or

(B) By any other means of communication that we and 
the cardholder have previously agreed to use. 

If your address changes, we have an incorrect address 
for  you,  or  if  you  have  any  questions  regarding  our 
procedures,  please  notify  us  by  calling  our  customer 
service center (1-866-757-2720).  

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this 
Agreement by mailing or delivering to You written notice 
of  the  changes  as  prescribed  by  the  Federal  Truth-
In-Lending  Act.  To  the  extent  permitted  by  law,  the 
right  to  change  the  terms  of  this  Agreement  includes, 
but  is  not  limited  to,  the  right  to  change  the  periodic 
rate  applicable  to  Your  unpaid    balance  and/or  future 
advances.  If a Change in Terms to this Agreement gives 
You  the  opportunity  to  reject  the  change,  and  if  You 
reject  the  change  in  the  manner  provided  in  any  such 
Change in Terms, We may terminate Your right to receive 
credit and may ask You to return all credit devices as a 
condition of Your rejection.  We may replace Your card 
with another card at any time.  

INTEGRATED DOCUMENTS.  Any separate sheet of paper, 
which  is  delivered  together  with  this  Agreement  or  at  a 
later date, becomes an integrated part of this Agreement.

CONSENT TO AGREEMENT. You acknowledge receipt of 
a copy of this Agreement. By signing the application; or 
by using Your Account or any Account access device; or 
by authorizing another to use Your Account, You agree 
to and accept its terms.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. 
You will provide facts to update information contained 
in  Your  original  Account  application  or  other  financial 
information related to You, at Our request. You also agree 
that We may, from time to time, as We deem necessary, 
make  inquiries  pertaining  to  Your  employment,  credit 
standing and financial responsibility in accordance with 
applicable laws and regulations.

You further agree that We may give information about 
the  status  and  payment  history  of  Your  Account  to 
consumer  credit  reporting  agencies,  a  prospective 
employer  or  insurer,  or  a  state  or  federal  licensing 
agency  having  an  apparent  legitimate  business  need 
for such information.