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. 

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.

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.

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, lnternet gambling or any other gaming or 
wagering  transaction.  We  will  decline  transactions  for  
casino  chips,  bets,  wagers,  lnternet  gambling  or  any  
other gaming or wagering transaction.

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.

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.

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. 

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 Interest 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 Interest Charges related to 
any  questioned  amount.  If  We  didn’t  make  a  mistake, 
You may have to pay Interest 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 
within  10 days 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.

CONTACTING  YOU  ABOUT  YOUR  ACCOUNT.  If  You 
provide  a  cell  phone  number,  You  agree  that  We,  and 
Our  service  providers,  may  contact  You  using  pre- 
recorded  messages  and  automated  dialing  systems. 

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

-  Dollar amount of the suspected error. 

b. The purchase price must have been more than $50.

-  Describe  the  error  and  explain,  if  You  can,  why  You  
believe  there 
If  You  need  more  
information, describe the item You are not sure about.

is  an  error. 

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 the Comptroller of the Currency, 400 7th Street 
SW, Suite 3E-218, Washington, D.C. 20219

IMPORTANT 
FOR  OPENING  A  NEW  ACCOUNT

INFORMATION  ABOUT  PROCEDURES  

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.

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.

CREDIT CARD
Agreement and Disclosure

One Nationwide Plaza

Columbus , Ohio 43215

BKN-0589AO.1

G-15215

 
THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT 
INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  VISA  AGREEMENTS,  AND 
ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE 
OF  YOUR  VISA  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  Credit  Card. 
The  words  “Card”  and  “Credit  Card”  mean  any  VISA 
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  Interest  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  Interest  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  Interest  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  Interest  Charges  and  any  acceleration  in  the  
repayment  of  Your  unpaid  balance  will  decrease  Your  
periodic Interest 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.

INTEREST  CHARGES.  In  the  case  of  any  transactions 
under  Your  Account,  the  balances  subject  to  the  peri-
odic  Interest  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  Interest  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  Interest 
Charge for a billing cycle is computed by multiplying the 
average  daily  balance  subject  to  an  Interest  Charge  by 
the Monthly Periodic Rate. You can avoid Interest 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 an Interest Charge. Cash 
advances are always subject to an Interest 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.

DEFAULT  ANNUAL  PERCENTAGE  RATE.  A  default  APR 
may be applied to your account if you: 

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. 

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 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 
an  Interest  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. 

CREDITING  PAYMENTS  TO  YOUR  ACCOUNT.  We  will 
credit payments as of the date received if the payment is:

• For mailed payments, received by 5 p.m. on a normal 
business day at the address designated for mailed
payments contained in your billing statement 
instructions.

• If  in  person,  received  at  one  of  our  branches,  by 

4p.m. on a normal business day

• Paid  in  U.S.  dollars  by  cash,  money  order,  draft, 
in  properly  
check  or  other  similar 
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  

instrument 

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  interest 
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,