Page 1/17GM Card Terms and Conditions
Your GM Card Rates
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases 0%introductory APR for 12 months from the date of account opening.
After that, your APR will be   to  15.74% 25.74% , based on your 
creditworthiness. This APR will vary with the market based
on the Prime Rate.
APR for Balance Transfers 15.74% to  25.74%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 27.74%
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest
on PurchasesYour 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.
For Credit Card Tips from
the Consumer Financial 
Protection BureauTo learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at https://www.consumerfinance.gov/learnmore
Fees
Transaction Fees
����Balance Transfer
����Cash AdvanceNone
None
Penalty Fees
����Late Payment Up to .$40
HOW WE WILL CALCULATE YOUR BALANCE:
We use the daily balance method (including new Transactions).
PRIME RATE:
Variable APRs are based on the 4.00% Prime Rate as of 05/31/2022.
FOR NEW YORK RESIDENTS:
For more information, call Issuer at 877-255-5923. New York residents may contact the New York state department of
financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace
periods. Contact the New York state department of financial services at 1-800-342-3736 or . http://www.dfs.ny.gov Page 2/17
Welcome to the GM Consumer Card!
Your GM Consumer Card Account is issued by Goldman Sachs Bank USA, Salt Lake City Branch (" " "" "" or "") Bank,we,us,our
and this is a legal agreement between you and us. By using or permitting others to use your Account, you are agreeing to be bound
by this " " which includes this GM Consumer Card Customer Agreement and your Rates and Fees Table. Please read it Agreement,
carefully and keep a copy for your records.
THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION WHICH PERMITS YOU OR US TO REQUIRE CLAIMS TO BE
ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE
MILITARY LENDING ACT OR (2) TIMELY EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE
ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT.
You can request a current version of this Agreement by contacting us.
CONTACTING US
Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by:
If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner,
or at all.
CHANGES TO THIS AGREEMENT
Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion,
and these changes may be effective immediately. Subject to applicable law, continued access to or use of your Account following
any notice shall be deemed to be your acceptance of such modified version of this Agreement. In some cases, you have the right
under applicable law to advance notice and to reject a change. In cases where you have a right to reject a change and you reject
the change, we will not apply that change to your Account; however, we may require you to close your Account. In all other
instances, the revised version of this Agreement will apply to your Account whether or not you choose to close your Account.Calling us toll-free at 1-833-773-0988; or�
Writing to us at P.O. Box 70321, Philadelphia, PA 19176-0321.� Page 3/17Important Definitions
This section defines some important terms used in this Agreement.
� � means the GM Consumer Card Account opened for you under this Agreement.Account
� � means a person who you and we authorize to make Transactions on your Account, but who is not responsible Authorized User
for repaying any amounts due on the Account.
� � means a transfer of a balance that you owe to a different creditor, to your Account. Balance Transfer
� � means Monday through Friday, excluding all U.S. federal holidays. Business Day
�� means any physical, digital or virtual card, or other number or device that may be used to access the Account.Card
� � means any cash advance and, to the extent permitted, any other cash-like transaction, including purchases of Cash Advance
cash equivalents such as traveler�s checks, foreign currency or cryptocurrency; money orders; peer to peer transfers, wire transfers
or similar cash-like transactions; lottery tickets, casino gaming chips (whether physical or digital) or race track wagers or similar
betting transactions.
� � means the maximum dollar amount of any Cash Advances we allow on your Account at any point in time. A Cash Advance Limit
portion of your Credit Limit is your Cash Advance Limit.
� � means the maximum amount of credit you may access from your Account at any point in time. Credit Limit
� � means the minimum amount that you must pay to us by the Payment Due Date in order to keep your Minimum Payment Due
Account current.
� � means the date shown on your Statement by which you must pay us at least the Minimum Payment Due. Payment Due Date
� � means a purchase or lease of goods or services using your Account. Purchase
� � means the document that we generally provide to you each Statement Period that shows Account activity and Statement
amounts you owe. Each Statement reflects a single Statement Period.
� � means the total amount owing on your Account at the end of a Statement Period. It will be shown on each Statement Balance
Statement.
� � means the period reflected on your Statement, or that your Statement would reflect if there were activity that Statement Period
requires us to provide you with a statement. You will have a Statement Period even if a Statement is not provided. A Statement
Period may also be referred to as a billing cycle.
� � means a Purchase, Balance Transfer or Cash Advance, as applicable. Transaction
� � means the balances owing on your Account that correspond to a specific type of Transaction. Transaction Transaction Category
Categories, and balances within Transaction Categories, may be subject to different APRs or terms. For example, certain balances
within the Balance Transfer Transaction Category may be subject to promotional terms.
",� �,� and � � mean the person(s) who opened the Account and/or who are liable for amounts owing under the Youyour yours
Account. These terms include Co-Owners (as defined in the Joint Accounts section) of the Account. Page 4/17Your Account
This section explains how you may use the Account, limitations on your use of the Account and your obligation to pay us amounts 
billed to your Account.
PROMISE TO PAY
You promise to pay us all amounts charged to your Account under this Agreement, including all Transactions, interest, fees and
other amounts billed to you.
RESPONSIBILITY FOR USE OF THE ACCOUNT
You are liable for all Transactions made on your Account, including any interest and fees, by you or anyone you authorize to use
your Account or Card. This includes any Transaction made by (i) an Authorized User; (ii) a person to whom you or an Authorized
User has provided a Card, the Account or any other Account access device, including providing a person Credentials (as defined
below) or with access to a mobile device on which a Card is provisioned; or (iii) a person acting in any way by which you or an
Authorized User would be deemed to have allowed or authorized their use of your Account.
JOINT ACCOUNTS
If multiple people are liable on your Account (each a � �), your Account is a joint account and the following provisions Co-Owner
apply:
AUTHORIZED USERS
You may request that we add Authorized Users to your Account. We will evaluate and approve or deny your request (for example,
we will deny a request to add an Authorized User who is under 13 years of age). You understand that any Authorized User�s use of
the Account is subject to the terms of this Agreement. You agree to share this Agreement with your Authorized Users and explain
that their use is subject to its terms. By permitting someone to be an Authorized User, you are allowing them to use your Account in
all respects, including for Transactions. You are liable for their use of the Account, including any Transactions that are made by
others if the Authorized User permitted them to use the Account.
Authorized Users may have the same access to information about the Account and its users as you. You agree that we may
discuss the Account with an Authorized User, although we have no obligation to do so. An Authorized User cannot add other
Authorized Users, adjust the Credit Limit or close the Account. We may report information about the Account to credit bureaus,
including information in any Authorized User�s name. This information may appear on their credit report.
You represent that (i) any person that you have requested to be added to your Account as an Authorized User has given you
permission to be added to the Account; (ii) that you have made a copy of this Agreement available to them; (iii) you have informed
them that we may report Account information in their name; and (iv) you are not requesting that a person be added to your Account
as an Authorized User for your own commercial purposes (such as credit report tradeline renting).
You may remove an Authorized User from the Account by contacting us and requesting that they be removed. Authorized Users
may also remove themselves from the Account. We have the right to remove any Authorized User in our sole discretion. In some
cases, when an Authorized User is removed, we may need to close your Account, open a new account and issue a new Card to
you.Each Co-Owner is individually and jointly responsible for paying us all amounts due on the Account, even if one Co-Owner
is unable or unwilling to pay.�
Unless otherwise required by law, we may contact any Co-Owner individually about the Account and any notice or
communication from us will be effective for the Account when provided to any Co-Owner.�
Any Co-Owner�s requests and instructions will apply to the Account. Any instruction or consent provided by a Co-Owner
may be applied to the Account, and will be applicable to all Co-Owners and may affect any Authorized Users. For example,
we will honor a Co-Owner�s requests to increase the Credit Limit (if the Account is eligible), add an Authorized User,
request Account information, update information provided to us, receive a credit balance refund and exercise any other
rights under this Agreement. If we receive different or inconsistent requests or instructions from Co-Owners, we may accept
or reject any request or instruction from any Co-Owner in our sole discretion. We may also choose to not obtain consent
from all Co-Owners.�
Co-Owners may have access to information about each other�s use of the Account. If you used the Account as an individual
before sharing it as a joint account, that information will also be available to any Co-Owner. For example, Co-Owners may
receive information about your Transaction history, payment activity, disputes, participation in relief opportunities provided
by us and what we have reported to credit bureaus. Co-Owners may also access any Statement or other document relating
to the Account.�
Each Co-Owner agrees that the other Co-Owner on the Account is their agent. Each Co-Owner also agrees to be the agent
of the other Co-Owner on the Account.�
A Co-Owner may not remove themselves or any Co-Owner from a joint account. However, a Co-Owner may request to
close the joint account and then request a new individual account, subject to our eligibility criteria in effect at the time. Co-
Owners will remain responsible for any balances owed on the closed joint account.�
The information about the Account that we report to credit bureaus will be reported for each Co-Owner.� Page 5/17USING YOUR ACCOUNT
You may use your Account for lawful personal, family or household purposes only, and not for business purposes. However, if the
Account is used for business purposes or for unlawful Transactions, you must still pay us for those Transactions and any resulting
interest and fees. If your Account is used for any Transaction not permitted by this Agreement, we may deny the Transaction or
treat the Transaction as a Cash Advance.
You may not use or permit your Account to be used for:
YOUR CREDIT LIMIT
We assign a Credit Limit and a Cash Advance Limit to your Account. We may increase or decrease these limits from time to time,
with or without prior notice, subject to applicable law. If you attempt a Transaction that will cause your Account balance (including
any pending authorizations) to exceed the applicable limit, we may, in our sole discretion and subject to applicable law:
If we permit the Transaction, you will be responsible for paying that amount, including any related interest and fees, and a balance
in excess of your Credit Limit may be reported to the credit bureaus.
USE OF MOBILE PHONES AND SIMILAR DEVICES
Certain mobile devices such as tablets, mobile or smart phones or other electronic devices can store and/or access Account data
or information (for example, through a mobile wallet), which can be used to make Transactions using the Account. Services that
enable your mobile devices to act or function in this manner may have separate terms and conditions that govern their use. We are
not responsible or liable should you violate any such terms or conditions or for any consequences of such violation. You will be
liable for Transactions made through use of those services.
DECLINED TRANSACTIONS
We may decline Transactions for any reason, including suspected or actual fraud, violation of applicable law, your default under
this Agreement, or if you exceed your Credit Limit or Cash Advance Limit. We are not liable to you or anyone else if we do not
authorize a Transaction, even if the charge is within your Credit Limit or Cash Advance Limit or you are not in default. If we decline
a Transaction, we may advise the person who attempted the Transaction that it was declined. We may also limit the number or
dollar amount of Transactions we approve for your Account over a specific time period, such as a single day. We are not
responsible if anyone refuses to accept a Card.
PROTECTING YOUR ACCOUNT INFORMATION, CREDENTIALS AND CARDS
You are solely responsible for maintaining the security of any Cards and any other authentication credentials used in connection
with your Account (collectively, � �). If you authorize or allow anyone else to use your Account (e.g., by providing your Credentials
Card or otherwise providing any of your Credentials to a third party), the person may be able to make Transactions using your
Account, and you will be liable for all such Transactions.
YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
You agree to contact us immediately if you believe any Card has been lost or stolen, any Credentials have been compromised or
your Account has been accessed without your permission. You will not be liable for any unauthorized transactions made on your
Account.
TRANSACTIONS MADE IN FOREIGN CURRENCIES
Transactions, returns and credits made in a currency other than U.S. dollars will be converted into U.S. dollars. We do not add any
foreign exchange rate fee to these Transactions. The conversion will be performed by Mastercard International, the payment
network associated with your Account (the � �). The Network follows its own methods for conversions that are subject toNetwork
change. The conversion will occur on the day the applicable Transaction, return or credit is processed by the Network. This date
may be different than the date of the Transaction, return or credit. As a result, the conversion rate may differ from the rate on the
date of the Transaction, return or credit, or the rate on the date the Transaction, return or credit posted on your Account.
NETWORK BENEFITS
The Network may make benefits available to you that are not part of this Agreement and are subject to change or cancellation.
Details about Network benefits can be found at www.marcus.com.Any illegal purpose, including in connection with unlawful domestic or international gambling websites or to purchase illegal
goods or services;�
Any purpose in any country or territory that is subject to economic sanctions administered and enforced by the U.S.
Department of the Treasury's Office of Foreign Assets Control (OFAC) or with any person or entity subject to these
sanctions; or�
Paying any debts to us.�
Permit the Transaction but not raise your Credit Limit or Cash Advance Limit and treat the Transaction as payable over time
in accordance with this Agreement; or�
Refuse the Transaction.� Page 6/17REWARDS
You may be offered rewards, benefits, features and/or services in association with your Account (� �). Rewards will be Rewards
subject to separate terms and conditions provided to you by us, our partners or our service providers. Rewards may be changed or
discontinued at any time for any reason and without notice. We are not liable for Rewards, including the discontinuation or
modification of any Rewards, or for the actions or omissions of any third parties.
Annual Percentage Rate, Interest Charges, Fees & Minimum Payment Due
This section explains how we determine your APR and DPR, how we calculate the interest you might owe each Statement Period, 
how you can avoid interest in a given Statement Period, the fees that may be charged and how we calculate the Minimum Payment 
Due each Statement Period.
" " or " " means a percentage, shown as a yearly rate, that is used in calculating periodic interest on Annual Percentage Rate APR
your Account.
" " or " " means the rate that is applied to the Daily Balance to calculate interest. Daily Periodic Interest Rate DPR
"" means a percentage rate that we add to the Prime Rate to calculate the APR. Your Account will only have a Margin if youMargin
have a variable APR.
See your Rates and Fees Table for your Account�s APRs and DPRs, to see if your APRs are variable and, if so, the
Margins that apply to your Account.
HOW WE DETERMINE INTEREST RATE(S)
Your APRs and the Transaction Categories to which the APRs apply, are set forth in your Rates and Fees Table. Your APRs may
be variable. Your Rates and Fees Table indicates if your APRs are variable. APRs will never exceed the maximum rates permitted
by applicable law.
How We Determine Variable APRs
For each variable APR applicable to your Account, the APR equals the Prime Rate plus the Margin that applies to that Transaction
Category. Variable APRs may increase or decrease each Statement Period if the Prime Rate changes, as described below. If the
Prime Rate changes, the new variable APRs will take effect as of the first day of the Statement Period following the change and
apply to existing and new balances. Any increase in the Prime Rate may result in an increase to the interest and Minimum
Payment Due that you are required to pay to us.
The � � in effect for a given Statement Period is the highest U.S. Prime Rate published in the print edition of Prime Rate The Wall
 (WSJ) on the last day of the calendar month preceding the first day of the Statement Period. If the WSJ does not Street Journal
publish the Prime Rate on that day, then we will look to the last day before then that such rate was published. If the WSJ
temporarily or permanently discontinues publishing the Prime Rate or if the WSJ changes its definition of the Prime Rate, we may
substitute another publicly available index not within our control and adjust the Margin, in our sole discretion, subject to applicable
law.
Example:
On May 31 (which falls on a Business Day), the Prime Rate reported in the WSJ is 4.75%.
Assume the Margin for your Account is 13.25%.
To determine your APR for the Statement Period that begins in June, we add the Prime Rate to the Margin, which would be
18%.
How We Determine the Applicable DPR
The DPR for each balance subject to interest within each Transaction Category equals the applicable APR divided by 365 (366 in a
leap year).
PROMOTIONAL OR INTRODUCTORY OFFERS
We may from time to time offer you promotional or introductory offers. These offers may include temporary APRs and/or different
terms that will apply to specified Transactions, Transaction Categories or balances on your Account. For example, we might offer a
reduced APR for certain Purchases, Balance Transfers or Cash Advances during a specified period of time. And, while we will
generally treat peer to peer transfers as Cash Advances, we may from time to time treat peer to peer transfers as Purchases.
Details will be provided at the time these offers are provided to you, including in your Rates and Fees Table if they are offered in
association with the opening of your Account. Page 7/17HOW WE DETERMINE YOUR DAILY BALANCES SUBJECT TO INTEREST
We determine the � � for each balance subject to interest within each Transaction Category as follows: Daily Balance
If any Daily Balance is less than zero, we treat it as zero. We repeat this process for each balance subject to interest within each
Transaction Category.
Assuming no Grace Period applies (for example, you do not pay your Statement Balance in full), then:
Daily Balance = Prior day�s closing balance + Prior day�s interest + New Transactions - New payments and credits
HOW WE CALCULATE YOUR INTEREST
We use the Daily Balance method (which includes new Transactions) to calculate interest owed on each balance subject to interest
within each Transaction Category each Statement Period. Under this method, we first calculate the daily interest for each day in the
month. We do this by multiplying the applicable DPR by the Daily Balance of each balance subject to interest within each
Transaction Category for each day in the Statement Period. Different Transaction Categories, and different balances within each
Transaction Category, may have different APRs and DPRs. The APRs and DPRs currently applicable to each balance subject to
interest within each Transaction Category are set forth in the Rates and Fees Table. Then, to determine the total interest for a
Statement Period, we add the daily interest and round to the nearest cent.
Daily Balances that are subject to a promotional or introductory offer that provides a reduced APR (for example, a balance within
either the Purchase or Balance Transfer Transaction Category that is subject to a promotional APR) will be multiplied by the
applicable DPR each day the balance is outstanding and for which the promotional or introductory offer applies. Promotional APRs
and DPRs will be shown on your Statement.
Interest = Sum of daily interest for each day in the month
Daily interest = daily balance � DPR
WHEN DOES INTEREST BEGIN TO ACCRUE
Interest will accrue on Transactions beginning on the date that they occur. However, you can avoid interest on Purchases while a
Grace Period applies to your Account. A � � is a period of time when you are not charged interest on Purchases. Grace Period
Grace Periods do not apply to Balance Transfers or Cash Advances. This means you will pay interest on Balance Transfers and
Cash Advances from the date they occur.
HOW TO AVOID INTEREST ON PURCHASES
Below we explain how you can maintain, lose and regain the Grace Period.
Impact of Reversed Payments or Credits
If your Account had a Grace Period because of a payment you made and we posted to your Account but then that payment is
reversed, you will lose the benefit of that Grace Period. As a result, we may charge you the interest you saved or would have saved
because of the reversed payment. If you want to regain a Grace Period during a Statement Period when a payment is reversed,
you must pay before that Statement Period�s Payment Due Date the entire Statement Balance (which will include the amount of the
reversed payment plus any additional interest charged due to the reversed payment).We begin with the balance at the end of the prior day (excluding interest for that day); then�
We add the prior day�s interest; then�
We add any new Transactions, including any fees we charge, from that day (unless the Transaction is a Purchase that
qualifies for a Grace Period, as described below); and, then�
We subtract any new payments or credits posted to your Account that day (and not already deducted from your Account).�
Initial Grace Period:  Your Account starts with a Grace Period, which you can retain by always paying your Statement
Balance by its corresponding Payment Due Date.�
Losing a Grace Period:  You will lose your Grace Period if you pay less than the Statement Balance by its corresponding
Payment Due Date. You will not pay interest on the portion of the balances within your Purchases Transaction Category
that you paid during the Statement Period that you lost your Grace Period.�
Regaining a Grace Period:  If your Account has lost its Grace Period, you will pay interest on Purchases from the date they
occur. A Grace Period can be regained by paying the Statement Balance by its corresponding Payment Due Date. You can
then maintain the Grace Period in subsequent Statement Periods so long as you pay the Statement Balance by its
corresponding Payment Due Date. After you re-enter a Grace Period, interest may appear on your next Statement. This
reflects interest charged from the beginning of that Statement Period through the date we received payment for the prior
Statement Period.� Page 8/17LATE FEE
Subject to applicable law, we may assess a late fee if we do not receive at least the Minimum Payment Due shown on your
Statement by: (i) for mailed payments, 5:00 p.m. local time at the address shown on the remittance portion of your Statement (the
� �) on your Payment Due Date; or (ii) for electronic funds transfer (� �) payments, by 11:59 p.m. ET on your Payment Address EFT
Payment Due Date. See the Making Payments Section below for more details. The maximum amount of the late fee is found in
your Rates and Fees Table. The late fee will never exceed the Minimum Payment Due. Late fees are treated as Purchase
Transactions on your Account.
HOW WE CALCULATE YOUR MINIMUM PAYMENT DUE
Your Minimum Payment Due equals any past due amount plus the greater of:
However, if the Statement Balance is less than the amount calculated above, then the Minimum Payment Due equals the
Statement Balance.
Making Payments
This section explains when you must pay us each Statement Period, how to pay us and how we apply those payments to your 
Account.
WHEN TO PAY
Each Statement Period during which your Account has a balance, or as otherwise required by applicable law, we will send or
provide a Statement reflecting activity on your Account that occurred since the previous Statement Period, such as new
Transactions, interest and fees. It will also identify your Statement Balance, the Minimum Payment Due and the Payment Due
Date. We may send only one Statement per Statement Period for your Account, even if your Account is a joint account.
You must pay at least your Minimum Payment Due by the Payment Due Date each Statement Period. If you do not pay at least the
Minimum Payment Due by the Payment Due Date, we may charge a late fee to your Account. You may pay all or part of the
outstanding balance on your Account at any time without penalty.
HOW TO PAY
You agree to make each payment by check drawn on a financial institution located in the U.S., a U.S. dollar money order or
through an EFT, as described below. All payments must be in U.S. dollars. All checks and money orders must be mailed or
delivered to us at the Payment Address reflected on your Statement. Mailed payments received by 5:00 p.m. local time at the
Payment Address and EFT payments received by 11:59 p.m. ET will generally be credited as of the date received. If your Payment
Due Date falls on a day when we do not receive mail (for example, a Sunday), but we receive a mailed check or money order
payment from you on the next day when mail is delivered, we will credit your Account as if we had received that payment on your
Payment Due Date. We may, at our option, adjust the available credit on your Account to reflect a payment, or a portion of the
payment, immediately after a payment is received. If we do this, and the payment is later rejected, your available credit will be
decreased as a result of the payment failing, and you will be responsible for repaying the amount of the payment that was
reversed. (It is possible in these instances that a payment reversal could cause you to exceed your Credit Limit.) We may also
delay increasing the available credit on the Account for a period of time following a payment. You can check the status of your
available credit online at www.marcus.com or by contacting us.
We may reject a payment if your Account has a credit balance when we receive the payment or if the payment would cause your
Account to have a credit balance. Making a payment in a Statement Period that is more than the Minimum Payment Due for that
Statement Period, does not reduce or eliminate any obligation to make Minimum Payments Due in subsequent Statement Periods.
We do not pay interest on overpayments or on credit balances on your Account. Credits to your Account from sources such as
merchants are not considered payments on the Account and generally do not reduce your Minimum Payment Due.
ELECTRONIC FUNDS TRANSFER (EFT) PAYMENTS
We offer you the option to make payments by EFT. Our EFT services involve us initiating one or more electronic debits from a
deposit account that you specify. While you are not required to use EFT services that we provide, you agree that the Payment
Authorization below applies to any EFT service that you use.
ELECTRONIC CHECK CONVERSION OF PAYMENTS
When you pay us by check, you authorize us to use the information on your check to either create a one-time EFT to your Account
or to process the payment as a check transaction. When we use the check information to make the EFT, funds may be withdrawn
from your deposit account as soon as the same day we receive your payment. You also authorize us to reinitiate any such declined
or dishonored EFT up to two additional times (or any greater number of times permitted by applicable network rules). You will not
receive your cancelled check from your financial institution because we may destroy it.
NON-CONFORMING PAYMENTS
We may reject any payments that do not comply with our payment instructions set forth in this Agreement or on your Statement
(each a � �) in our discretion. If we accept a Non-conforming Payment, crediting your Account for the Non-conforming Payment
payment may be delayed. Delayed crediting may cause you to incur additional interest and fees, subject to applicable law.$29; or�
The sum of (i) 1% of the Statement Balance plus (ii) any interest billed to your Account during that Statement Period. The
sum of these amounts is rounded up to the nearest dollar and then any late fees are added.� Page 9/17We may accept any Non-conforming Payments, late payments, partial payments or payments with restrictive endorsements,
without losing any of our rights, including our right to close your Account. We may deposit any payment you send us for less than
the total outstanding balance of your Account that you mark �paid in full� or with any similar language or otherwise seek to provide
as full satisfaction of a disputed amount. If we do, this payment will not fully satisfy the disputed amount or otherwise affect our
rights to payment in full. You may not use a postdated check to make a payment, but if you do, we may, before the date on the
check, either: (i) cash it or (ii) return it to you without applying it to your Account. We are not liable to you for any loss or expense
arising out of the action we elect to take in connection with a postdated check.
PAYMENT AUTHORIZATION
Each time you authorize us to take an EFT payment from your deposit account, you represent and warrant that you are legally
authorized to use such deposit account. By providing us with your deposit account information, you authorize us to:
Any authorization will continue until it is cancelled as described below, or when your Account is closed with a zero balance.
Payment Dates
If you authorize a payment, we will credit your payment on the scheduled payment date. We may pull the payment on or after the
date on which you schedule a payment.
If you authorize a payment for the 29th, 30th or 31st of a month, and the month does not have that many days, we will credit the
payment as of the last day of that month. You authorize us to take that payment on or after the last day of that month.
Payment Amounts and Adjustments
You can choose to make one-time or recurring payments. We may adjust the amount of your payment before processing it in the
following ways:
We will not adjust your payment to an amount greater than what you authorize.
Payment Cancellations
You can cancel a scheduled payment and/or cancel recurring payments by contacting us. We must receive your cancellation
request no later than 11:59 p.m. ET on the day prior to the date of your scheduled payment. We may cancel your payment(s) if any
prior payment from the associated deposit account is returned, or for any other reason we deem appropriate. We will provide you
with notice of such cancellation.
WHEN WE CREDIT YOUR PAYMENTS
EFT Payments
If you make an EFT payment in accordance with the payment instructions detailed in this Agreement and in your Statement, we will
credit your payment as follows:Retain this information for the purpose of initiating EFT payments based on your instructions;�
Periodically make credits to any such deposit account;�
Reinitiate any declined or dishonored EFT payment up to two additional times (or any greater number of times permitted by
applicable network rules); and�
Correct any payment, credit or account errors by initiating a credit or debit to your deposit account.�
To avoid creating a credit balance on your Account;�
If you have scheduled a recurring payment for the amount of your Minimum Payment Due or Statement Balance, your
payment amount may be reduced automatically based on payments, returns and other credits to your Account that are
posted by 11:59 p.m. ET on the day prior to the date of your scheduled payment. If an earlier payment is rejected, we may
automatically add that amount to your scheduled payment, but not in excess of the amount you authorized;�
If you have scheduled a recurring payment for a fixed dollar amount, your payment amount will not be reduced
automatically based on payments, returns or other credits to your Account. A recurring payment for a fixed dollar amount
will always be processed if you have a balance, even if it creates a credit balance;�
If any recurring payment is declined because of insufficient funds or otherwise dishonored, you authorize us to automatically
turn off future recurring payments. If we turn off future recurring payments, you will have to make one-time payments or set
up a new recurring payment plan; and/or�
In all instances, if your Account balance on the scheduled payment date is $0 or less, then we will automatically cancel your
payment scheduled for that date. In the case of a recurring payment, your payment will automatically restart on the next
scheduled payment date on which your Account balance is greater than $0.�
If you initiate a one-time EFT payment using a deposit account by 11:59 p.m. ET, we will credit the payment as of that
calendar day. Otherwise, we will credit your payment as of the next day.�
If you set up recurring EFT payments, we will credit each payment as of its scheduled payment date.� Page 10/17HOW WE APPLY PAYMENTS, CREDITS AND REFUNDS
Subject to applicable law, when we receive a payment for your Account we will apply:
Refunds and other credits may be applied to your Account in any manner and to any balance that we choose, and generally do not
reduce your obligation to pay your Minimum Payment Due.
FEES FROM YOUR DEPOSITORY INSTITUTION
You are solely responsible for any fees that may be charged to you by your depository institution, including any fees for payments
that we attempt and the depository institution rejects.
Account Default
This section explains when your Account will be in default and what may happen when your Account is in default.
WHAT TRIGGERS A DEFAULT
Your Account will be in default of this Agreement, to the extent permitted under applicable law, if:
WHAT IS THE EFFECT OF BEING IN DEFAULT
If your Account is in default, we may take any of the following actions to the extent permitted under applicable law:
Suspending or Closing Your Account
This section explains when you may close your Account, when we may suspend or close your Account and what happens when 
your Account is closed.
BY YOU
You can, at any time, close your Account by contacting us.
BY US
We may suspend or close your Account, or suspend or cancel any feature on your Account, at any time and for any reason
permitted under applicable law.
EFFECT OF CLOSING YOUR ACCOUNT
When your Account is closed, you must:
We are not liable for any refusal to honor your Card or Account or for any retention of your Card by any person or entity.Amounts up to your Minimum Payment Due in any manner we choose; and�
Any amounts exceeding the Minimum Payment Due first to the balance with the highest APR, and then to balances with
lower APRs (in descending order based on the applicable APR).�
You fail to pay any Minimum Payment Due on or before the applicable Payment Due Date, or your Minimum Payment Due
is returned unpaid or cannot be processed;�
You breach any term of this Agreement or any other agreement with us;�
An Authorized User breaches any term of this Agreement;�
You file or become the subject of a bankruptcy or insolvency proceeding;�
You give us any false, incomplete or misleading information; or�
You die or become legally incapacitated.�
Continue to charge you interest as long as you have an outstanding Account balance;�
Lower your Credit Limit and/or Cash Advance Limit;�
Decline or otherwise limit your ability to make Transactions;�
Report information about your Account to credit bureaus;�
Begin collections activities;�
Suspend or close your Account;�
Remove any Authorized Users from your Account;�
Require you to immediately pay all or any portion of your total outstanding balance;�
Require you to pay our collection costs, attorneys� fees, court costs and all other expenses of enforcing our rights under this
Agreement; and/or�
Take any other action permitted by law.�
Return or destroy all physical Cards;�
Stop using your Account to make payments to others and cancel any such payments that may be automatic or recurring;
and�
Continue to pay at least the Minimum Payment Due each Statement Period until the total outstanding balance of your
Account, including any amounts which post after the Account�s closure, is paid in full.� Page 11/17Credit Information & Credit Reporting
This section describes how we use information about you that we obtain from credit bureaus, what information we may provide 
about you to credit bureaus and how to dispute items on your credit bureau report.
OBTAINING YOUR CREDIT BUREAU REPORTS
You authorize us to obtain your consumer report(s) and other information from consumer reporting agencies and/or other third
party sources now and on an ongoing basis for use in: (i) servicing, monitoring, collecting or enforcing this Agreement or any other
agreement between you and us; (ii) providing your credit data to you; (iii) evaluating you for and offering you other financial
products and services; and/or (iv) other related purposes.
REPORTING INFORMATION TO CREDIT BUREAUS
YOU AGREE THAT 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 BUREAU 
REPORT.
We may report information about the Account to credit bureaus in any Authorized User�s name. This information may appear on
their credit report.
If you believe that we have reported incorrect information about your Account to a credit bureau, you should write us at P.O. Box
70321, Philadelphia, PA 19176-0321. Please include your name, address associated with your Account, the email address
associated with your Account, telephone number and a description of the information you believe is incorrect and why. If available,
please include a copy of the credit bureau report in question.
Communications
This section explains how we may contact you about matters relating to your Account and what you should do to update us with 
your current contact information.
CONTACTING YOU
You understand and agree that we (which for purposes of this section, along with the word �us,� also includes our agents and
service providers) may always communicate with you using any technology or methods that are permitted by law and that do not
require your prior consent. You also agree that we may communicate with you using an automatic telephone dialing system and
through the delivery of artificial and/or prerecorded voice messages. Some of the ways we may contact you include calls, emails,
text messages, device-level notifications and other electronic notification methods. These communications may relate to upcoming
due dates, missed or returned payments, other matters relating to the servicing or collection of amounts due under this Agreement
or any other agreement with us and your relationship with us more generally. We may communicate with you using any telephone
numbers (including wireless, landline and voice over IP numbers) or email addresses that you give or have given to us. You
understand and agree that anyone with access to your telephone or email account may listen to or read the messages that we
leave or send you. You agree that we will not be liable for any charges that you incur in connection with any communications that
we send to you.
You agree to notify us immediately if you change telephone numbers or are no longer the subscriber or usual user of a telephone
number that you have given to us. You agree that we may monitor, record, retain and reproduce your telephone calls and other
communications with us. To the extent you have a right under applicable law, you can withdraw your consent to receive text
messages through a telephone network (e.g., SMS) or calls, that are made with an automatic telephone dialing system or that
deliver a prerecorded and/or artificial voice message. To withdraw your consent, you must contact us in accordance with this
Agreement.
NOTICES
Any written or electronic notice or communication we send to you will be effective when sent to you electronically, or when mailed
to the address associated with your Account. We may also in certain instances mail notices to the address associated with your
Account.
CHANGES TO ACCOUNT INFORMATION
You must promptly notify us of any change to your name, mailing address, email address or phone number by contacting us. We
may rely on your phone number, email address or mailing address as it appears on our records for any and all Account
communications we send to you unless and until you notify us of any changes. We may also, in our sole discretion, update your
mailing address if we receive a notification of change from the U.S. Postal Service. You authorize us to share updates to your
contact information with General Motors LLC (� �), for GM to use in accordance with its privacy policy, available at GM https://www.
. gm.com/privacy-statement.html Page 12/17Other Important Information
This section provides additional information that is important to understanding your rights and obligations for your Account.
GOVERNING LAW
This Agreement is entered into between you and us in the State of Utah and we extend credit to you from Utah. This Agreement
and your Account will be governed by and construed in accordance with federal law and any applicable laws of the State of Utah
without regard to rules concerning conflicts of law or choice of law.
BANKRUPTCY FILING
All bankruptcy notices and related correspondence to us must be sent to the following address: P.O. Box 70321, Philadelphia PA
19176-0321, Attn. Bankruptcy Notice. You promise us that you are not contemplating making a bankruptcy filing at the time of your
application for an Account and have not consulted an attorney within the past six (6) months about making any such filing.
CORRESPONDENCE
To the extent permitted under applicable law, any written or electronic correspondence you send to us will not be effective until we
receive and have had a reasonable opportunity to act on such correspondence. However, any written or electronic correspondence
we send to you will be effective and deemed delivered when mailed to you at your mail address (or your email address if you have
authorized electronic communications) as it appears on our records. If your Account is a joint account, we may send Account
materials (Cards, Statements and notices) to any Co-Owner of the Account, and that person will be responsible for delivering those
materials to the other Co-Owner of the Account and, to the extent applicable, to Authorized Users. Notice to any of you will be
considered notice to all of you.
DELAY IN ENFORCING OUR RIGHTS
The failure by us to enforce at any time any of the provisions of this Agreement, to exercise any election or option provided in this
Agreement, to require at any time your performance of any of the provisions of this Agreement or to enforce our rights under
applicable law will not in any way be construed as a waiver of such provisions, election, option, performance or rights.
WAIVER OF RIGHTS
Subject to applicable law, you waive any right you may have for us to (a) act promptly in bringing any action(s) against you (known
as diligence); (b) demand payments of amounts due (known as presentment); (c) obtain an official certification of non-payment
(known as protest); and (d) give notice that amounts due have not been paid (known as notice of dishonor or notice of default and
non-payment).
ENTIRE AGREEMENT; SEVERABILITY
This Agreement is the complete and final expression of the agreement between us and you with respect to your Account, and this
Agreement may not be contradicted by any alleged oral agreement. Subject to the special rule in the Arbitration section, if any
provision of this Agreement is found to be invalid or otherwise unenforceable, or declared invalid or otherwise unenforceable by
order of court, change in applicable law or regulatory authority, that provision will continue to be enforceable to the extent permitted
by that court, law or agency, and the remainder of that provision will no longer be considered part of this Agreement. All other
provisions of this Agreement will remain in full force and effect.
LANGUAGE; SECTION HEADINGS
You agree that you can understand English-language communications and agree that the English-language version of all
communications will be binding. As used in this Agreement, the term �including� means �including, but not limited to.� The section
headings and descriptions in this Agreement are for convenience only and do not in any way limit or define your or our rights or
obligations in this Agreement.
ASSIGNMENT
You may not sell, assign or transfer any of your rights or obligations under this Agreement. However, we may sell, assign or
transfer your Account or any of our rights and obligations under this Agreement, without restriction and without your prior consent.
Any attempted sale, transfer or assignment by you without our prior written consent will be null and void.
SERVICE PROVIDERS
We may also use service providers and agents in connection with providing your Account or services related to the Account. In
doing so, we may permit one or more of our service providers or agents to exercise any of our rights, rely on any consents or
permissions that you have granted to us and enforce any of your obligations on our behalf. Page 13/17MILITARY LENDING ACT
The provisions of this section apply to members of the Armed Forces and their dependents pursuant to the Military Lending Act:
Statement of Military APR
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may
not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: The
costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;
any application fee charged (other than certain application fees for specific credit transactions or accounts); and any
participation fee charged (other than certain participation fees for a credit card account).
Oral Disclosures
Members of the Armed Forces and their dependents may hear important disclosures and payment information about this
Agreement and additional information about whether these protections apply to them by calling 1-833-773-0988.
ADDITIONAL DISCLOSURES
California Residents : You may apply for an account in your name alone, regardless of your marital status.
Ohio Residents : The Ohio rules against discrimination require that all creditors make credit equally available to all creditworthy
customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil
Rights Commission administers compliance with this law.
Vermont, Rhode Island and New York Residents : A credit bureau report may be requested in connection with your application.
At your request, we will tell you whether or not a credit bureau report was obtained and, if so, the name and address of the credit
bureau that furnished the report. We may also request credit bureau reports from time to time in connection with any update,
renewal or extension of the credit account, whenever we believe that such action is appropriate.
Married Wisconsin Residents : If you are married: (i) you confirm that this Account is being incurred in the interest of your
marriage or family; (ii) no provision of any marital property agreement, unilateral agreement or court decree under the Wisconsin
Marital Property Act will adversely affect a creditor's interest unless, before the time credit is granted, the creditor is furnished a
copy of that agreement or decree or is given complete information about the agreement or decree; (iii) you understand and agree
that we will provide a copy of this Agreement to your spouse for their information. If the Account for which you are applying is
granted, you will notify us if you have a spouse by sending your name and your spouse's name and address to us at P.O. Box
70321, Philadelphia, PA 19176-0321.
Maryland Residents : If you are a Maryland resident as of the date you accept this Agreement, as evidenced by your billing
address, to the extent, if any, that Maryland law applies to this Agreement and your Account and is not preempted by federal law,
we elect to offer your credit account under Subtitle 9 (Credit Grantor Open End Credit Provisions) of Title 12 of the Maryland
Commercial Law Article.
New Jersey Residents : None of the terms in this Agreement are unenforceable under New Jersey law.
New York Residents : For more information, call us at 1-833-773-0988. New York residents may contact the New York State
Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and
grace periods. Contact the New York State Department of Financial Services at 1-800-342-3736 or . http://www.dfs.ny.gov
All Residents : You promise us that you are not planning to file bankruptcy at the time of your application for your Account or when
you seek to share your Account.
� Page 14/171.  
2.  
1.  
2.  
3.  Billing Rights Summary
The notice below describes the minimum rights you have under the Fair Credit Billing Act.
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 THINK YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your Statement, write to us at:
Goldman Sachs Bank USA, Salt Lake City Branch
P.O. Box 70321, Philadelphia, PA 19176-0321
In your letter, give us the following information:
You must contact us:
You must notify us of any potential errors . You may call us, but if you do we are not required to investigate any potential in writing
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:
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.
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:
After we finish our investigation, one of two things will happen:
If you receive our explanation but still believe your bill is wrong, you must write to us within  telling us that you still refuse to10 days
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:
The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the
purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an
advertisement we mailed to you or if we own the company that sold you the goods or services.)
You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check
that accesses your credit card account do not qualify.
You must not yet have fully paid for the Purchase.Account information:  Your name and your 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.�
Within 60 days after the error appeared on your Statement.�
No later than 11:59 p.m. ET on the day prior to the date an automated payment is scheduled, if you want to stop payment
on the amount you think is wrong.�
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.�
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.� Page 15/17If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us :in writing
Goldman Sachs Bank USA, Salt Lake City Branch
P.O. Box 70321, Philadelphia, PA 19176-0321
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. Page 16/17Arbitration Provision
This section is an arbitration provision and contains important information that affects your legal rights. PLEASE READ IT 
CAREFULLY.
This arbitration provision does not apply to service members and their dependents who are entitled to protection under the Military
Lending Act (10 U.S.C. � 987). If you would like more information about whether you are entitled to protection under the Military
Lending Act and whether this section applies to you, please call us toll-free at 1-833-773-0988.
ACKNOWLEDGMENT OF ARBITRATION
Credit is being extended to you and you are being provided access to and use of your Account on the basis of the inclusion of the
following arbitration provision. By accepting this Agreement or using your Account, unless you reject arbitration as provided below,
you acknowledge that YOU ARE GIVING UP THE RIGHT TO LITIGATE CLAIMS (AS DEFINED BELOW) AND THE RIGHT TO
 You hereby knowingly and voluntarily INITIATE OR PARTICIPATE IN A CLASS ACTION. WAIVE THE RIGHT TO BE HEARD IN
 on all Claims subject to this Agreement. You further acknowledge that you have read this COURT OR HAVE A JURY TRIAL
arbitration provision carefully, agree to its terms and are entering into this Agreement voluntarily and not in reliance on any
promises or representations whatsoever except those contained in this Agreement.
HOW TO REJECT THIS ARBITRATION PROVISION
YOU MAY REJECT THIS ARBITRATION PROVISION BY CALLING US, OR WRITING TO US, AND STATING THE FOLLOWING:
(I) YOUR NAME; (II) YOUR ACCOUNT NUMBER; (III) THE ADDRESS ASSOCIATED WITH YOUR ACCOUNT; AND (IV) THAT
YOU ARE EXERCISING YOUR RIGHT TO REJECT THIS ARBITRATION PROVISION (A � �). REJECTION NOTICE YOUR
 IF YOUR REJECTION NOTICE MUST BE RECEIVED WITHIN 90 DAYS AFTER THE OPENING OF YOUR ACCOUNT.
REJECTION NOTICE COMPLIES WITH THESE REQUIREMENTS, THIS ARBITRATION PROVISION WILL NOT APPLY TO
YOU, EXCEPT FOR ANY CLAIMS SUBJECT TO PENDING LITIGATION OR ARBITRATION AT THE TIME YOU SEND YOUR
REJECTION NOTICE. (IF OTHER PERSONS ARE OBLIGATED ON OR PERMITTED TO USE YOUR ACCOUNT, A REJECTION
NOTICE IS LIMITED TO ONLY THE PERSON SUBMITTING THE REJECTION NOTICE. ANY OTHER PERSONS MUST SEND
THEIR OWN REJECTION NOTICE.) REJECTION OF THE ARBITRATION PROVISION WILL NOT AFFECT YOUR OTHER
RIGHTS OR RESPONSIBILITIES UNDER THIS AGREEMENT OR ANY OTHER AGREEMENT YOU MAY HAVE WITH US.
DEFINITIONS
For purposes of this arbitration provision, the following definitions apply:
ARBITRATION
You or we may elect, without the other�s consent, to resolve any Claim by individual binding arbitration unless the Claim has been
filed in court and trial has begun or final judgment has been entered. Even if a Claim is litigated in court, you or we may elect
arbitration of any Claim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit. You
or we may also elect arbitration of a Claim that the parties initially opted to litigate in court if that Claim is later modified (including to
be asserted on a class, representative or multi-party basis or to seek different or additional relief).
Notwithstanding the foregoing, only a court and not an arbitrator may decide any dispute or controversy about the validity,
enforceability, coverage or scope of this arbitration provision, all of which are for a court and not an arbitrator to decide. However,
disputes or controversies about the validity or enforceability of this Agreement as a whole are for the arbitrator and not a court to
decide.
JAMS (1-800-352-5267, jamsadr.com) will serve as the default arbitration administrator. Claims may also be referred to the
American Arbitration Association (� �) (1-800-778-7879, adr.org). You may obtain copies of the current rules, forms andAAA
instructions for initiating an arbitration directly from JAMS or the AAA. Claims may also be referred to another arbitration
administrator, if you and we agree in writing, or to an arbitrator appointed pursuant to Section 5 of the Federal Arbitration Act, 9 U.S.
C. �� 1-16 (the � �). You and we agree that any arbitration proceedings initiated hereunder shall be kept confidential.FAA
OTHER CLAIMS SUBJECT TO ARBITRATION
In addition to Claims made by or against either you or us, Claims made by or against anyone connected with you or us or claiming
through you or us (including any employee, agent, representative, affiliated company, predecessor or successor, heir, assignee or
trustee in bankruptcy) are subject to arbitration as described herein.
EXCEPTIONS
We agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court with
jurisdiction so long as the Claim is pending only in that court.�� means any claim, dispute or controversy (whether based upon contract; tort, intentional or otherwise; constitution;Claim
statute; common law; or equity and whether pre-existing, present or future), including initial claims, , cross- counter-claims
claims and third-party claims, arising from or relating to: (i) this Agreement, your Account or your relationship with us; (ii)
any servicing of your Account by our agents or service providers; (iii) advertisements, promotions or statements related to
this Agreement or your Account; (iv) your application for credit; and (v) credit bureau reporting or debt collection on or
related to your Account.�
�� and � � mean each and every person who is granted, accepts or uses your Account (including any Authorized You your
User), except as otherwise provided in this arbitration provision.� Page 17/17INDIVIDUAL CLAIMS ONLY
Claims may be submitted to arbitration on an individual basis only. Claims subject to this arbitration provision may not be
joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a
representative capacity on behalf of the general public, or on behalf of any other person, unless otherwise agreed to by
 Claims by or against corporate affiliates will be considered a single claim. The arbitrator has no authority to the parties in writing.
award any relief not available in an individual action in court or award any declaratory, injunctive or other relief primarily for the
benefit of the general public. Further, unless you and we both otherwise agree in writing, the arbitrator may award relief only in
favor of your individual Claim. The arbitrator may not award relief for or against any other person, whether directly or indirectly.
PROCEDURE
A single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at least ten years of experience who is a former or
retired judge and will be selected by the parties; provided, however, that if the parties are unable to agree upon an arbitrator within
seven (7) days after delivery of the Demand for Arbitration, then the arbitrator will be appointed by the arbitration administrator. The
arbitration shall comply with the arbitration administrator�s rules (the Streamlined Arbitration Rules for JAMS and the Consumer
Arbitration Rules for AAA) in effect on the date the arbitration is filed, except where there is a conflict or inconsistency between the
arbitration administrator�s rules and procedures and this arbitration provision, in which case this arbitration provision will govern.
The arbitration will be conducted in English unless the parties otherwise agree in writing. Any in-person arbitration hearing for a
Claim will take place within the federal judicial district in which you live or at such other reasonably convenient location as agreed
by the parties. The arbitrator will apply applicable substantive law consistent with the FAA and will honor all claims of privilege and
confidentiality recognized at law. All statutes of limitations that would otherwise be applicable will apply to any arbitration
proceeding. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or
discovery. Except as otherwise provided in this arbitration provision, the arbitrator will be empowered to grant whatever relief would
be available in court under law or in equity. Any appropriate court may enter judgment upon the arbitrator�s award. This arbitration
provision is made pursuant to a transaction involving interstate commerce and is governed by the FAA.
ADDITIONAL ARBITRATION AWARD; ATTORNEYS' FEES
If we make a final written settlement offer before the arbitrator is selected and the arbitrator rules in your favor for an amount
greater than that final offer, or if we do not make a final written settlement offer before the arbitrator is selected and the arbitrator
rules in your favor on the merits of your Claim, the arbitrator's award will include: (1) any money to which you are entitled, but in no
case less than $10,000; (2) twice the amount of your reasonable attorneys' fees, or the amount of attorneys' fees to which you are
entitled under applicable law, whichever is greater; and (3) your costs and expert and other witness fees. If we prevail in arbitration,
we will not be entitled to recover our attorneys' fees even when permitted to do so under applicable law.
ARBITRATION FEES
We will pay any arbitration fees (including the arbitrator�s fees and any filing, administrative, hearing or other fees charged by the
arbitration administrator) in connection with any Claims. You will be responsible for any other costs that you incur in connection with
any Claim unless applicable law provides otherwise. Any arbitration award will apply only to the specific case and cannot be used
in any other case except to enforce the award.
SURVIVAL
This arbitration provision shall survive payment of all amounts due pursuant to this Agreement, termination of your Account, any
legal proceeding to collect amounts due, any bankruptcy and any assignment or sale of this Agreement, your Account or any and
all rights thereunder. In the case of an assignment or sale of this Agreement, your Account or any and all rights thereunder, the
buyer will be bound by and may enforce the terms of this arbitration provision. If any portion of this arbitration provision is deemed
invalid or unenforceable, it will not invalidate the remaining provisions of this arbitration provision or this Agreement, except that if
any part of the "Individual Claims Only" provision is found in a court proceeding to be invalid or otherwise unenforceable with
respect to a Claim (and that determination becomes final after all appeals have been exhausted), then this arbitration provision
(except for this sentence) will not apply to that Claim.