Cardmember 
Agreement

02/17
CMA SECURED V2

Secured Mastercard® 

CARDMEMBER AGREEMENT

This Cardmember Agreement (“Agreement”), which includes your Card 
carrier and Welcome Letter, is your contract with us and governs the use 
of your Card and Account. The Welcome Letter contains important account 
information, including your annual percentage rates. Please read and keep 
these documents for your records.

You agree to use your Account in accordance with this Agreement. This 
Agreement is binding on you unless you have not used or authorized use of 
the Card. You must pay us for all amounts due on your Account as specified in 
this Agreement. Your Account must only be used for lawful transactions.

Cash Advance Fee: If you use your Account or Card to obtain a Cash Advance, 
we will charge a Cash Advance fee of the greater of 4% of the cash advance or 
$10.00, unless state law limits the amount we can charge, in which case the fee 
shall be the largest amount allowable under state law. State law limits include, 
but are not limited to: No fee for IL; Up to $0.25 for NV; Up to the lesser of 1.5% 
of the amount of each cash advance or $5.00 for WV; Up to the greater of $2.00 
or 2% of advance for TX; Up to the lesser of 2% of amount or $10.00 for IN; Up to 
the greater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for 
LA; Up to the greater of $10.00 or 4% of each cash advance ($30.00 maximum) 
for MN.

The cash advance fee is a finance charge. Interest does not accrue on the fee. 

We, us, and our: TMG Financial Services, Inc., the issuer of your credit 
Card Account.

Some fees vary by state and are disclosed below. Specific fee amounts that 
apply to your Account will be disclosed as part of your Welcome Letter.

DEFINITIONS

OTHER FEES

You, your, and yours: the person who applied to open the Account and any 
other person responsible for complying with this Agreement, including the 
person to whom we address the billing statements.

Account: the relationship established between you and us by  
this Agreement.

APR: annual percentage rate. 

Card: one or more Cards or other Account access devices, including 
Account numbers that we issue to you to obtain credit under this 
Cardmember Agreement.

Cash Advance: an advance that is charged to your Account with  
or in connection with the Card, including obtaining funds through  
an automated teller machine (ATM), banking site or financial institution; 
making a wire transfer; obtaining a money order, traveler’s check, lottery 
ticket, casino chip or similar item; or engaging in a similar transaction.

Purchase: a Purchase is the use of your Card or Account to buy or lease 
products or services. The Purchase of cash or cash equivalents, like casino 
chips or lottery tickets, is a Cash Advance, not a Purchase. 

Secured Card Collateral: The funds that you remit to us and  
pledge as security for this Account to be held by us as provided  
in this Agreement.

TRANSACTION FEES – FINANCE CHARGES

Transaction Fees and APRs: If you are assessed a transaction fee for a 
Purchase made in a foreign currency or a Cash Advance, the transaction fee 
may cause the APR on your billing statement on which the transaction first 
appears to exceed your normal APR.

Annual Fee: Your Account has an Annual Fee of $29.00, unless a lower state 
law limit applies, in which case the fee shall be the largest amount allowable 
under state law. This fee will be charged on the first periodic statement you 
receive. The Annual Fee will then be charged on or about the same day every 
year thereafter. State law limits include, but are not limited to: Up to $12.00 in 
MS; Up to $20.00 in KY and NV; Up to $20.00 in lieu of transaction fees in IL; 
Up to $24.00 in NC; Up to $25.00 in FL; Up to the lesser of 1% of loan amount 
or $29.00 for NY.

Interest does not accrue on this fee.

Foreign Transaction Fee: When you make a transaction outside of the United 
States, a fee equal to 1% of the converted transaction amount will be applied to 
your Account, unless state law limits the amount we can charge, in which case 
the fee shall be the largest amount allowable under state law. State law limits 
include, but are not limited to: No fee for CO and NV; Up to the lesser of 1% or 
$10.00 for IN.  

Late Payment Fee: We may add a late fee as outlined below to your Account 
for each billing period you fail to pay the Minimum Amount Due by the Payment 
Due Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past 
due amount after 7 days for VA; Up to 5% of past due payment after 10 days for 
NY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up 
to 5% of unpaid installment, not to exceed $10.00 after 15 days for ME; Up to 
5% of unpaid installment, not to exceed $25.00 after 10 days for WV; Up to the 
lesser of $5.00 or the balance on balances under $100 or $10.00 for balances 
over $100 after 30 days for NC; Up to the greater of $5.00 or 4% of amount of 
any delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of 
$7.20 or 5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up 
to the greater of $7.80 or 5% of amount of the payment after 10 days for MN; 
Up to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of 
outstanding balance or $10.00 after 15 days in default for MA; Up to the greater 
of 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for 
CO, DC, FL and LA; Up to the lesser of 5% of payment due or $15.00 after 10 days 
for TX; Up to the greater of 5% of minimum required payment or $15.00 after 
10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00 
after 15 days for MO; Up to the greater of $15.00 or 5% of amount past due for 
MI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in 
default after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of 
$20.00 or 10% of payment after 15 days in PA; Up to the greater of $24.50 or 5% 
of payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA, 
HI, IL, KS, MD, ND, NE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.

Returned Payment Fee: We may add a fee as outlined below to your Account 
if a payment check or similar instrument is not honored or returned because it 
cannot be processed, or if an automatic debit is returned unpaid. We may assess 
this fee every time your check or payment is not honored, as permitted by law. 
No fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD; 
Up to $20.00 for CT, FL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of 
amount due for IA; Up to $25.00 if check remains unpaid for 15 days after notice 
of dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, 
DC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, 
OK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of 
check amount for GA.

Credit Card Replacement Fee: We may add a fee to your Account if you request 
a replacement credit Card. This fee is based on the delivery type you request. 
The fee is $5.00 for standard delivery; $25.00 if you request a replacement be 
delivered two (2) days after your request; $65.00 if you request a non-emergency 
delivery shipped via FedEx one (1) day after your request; or $105.00 if you 
request an emergency Card replacement which is shipped at time of request 
when it is sent via an overnight delivery service. Rush card fees do not apply to 
the following states: OK and WY.

Rush PIN Fee: We may add a $10.00 fee to the Purchase balance if you request 
your PIN rush-delivered to you via FedEx. Rush PIN fees do not apply to the 
following states: OK and WY.

Document Copy Fee: We may add a $15.00 fee to your Account if you request a 
copy of a sales slip, refund slip, Cash Advance slip or travel and entertainment (T 

& E) draft. Document copy fees do not apply to the following states: IN, OK and WY.

FINANCE CHARGES

Statement Copy Fee: We may add a $5.00 fee to your Account if you request a 
copy of a billing statement. Statement Copy fees do not apply to the following 
states: OK and WY.

Research Fee: We may add a fee to your Account for time we spend to research 
an item regarding your Account at your request. The fee is $15.00 per hour. 
Research fees do not apply to the following states: OK and WY.

YOUR ACCOUNT

Authorized Users: You may allow authorized users to use your Account. You 
may request additional Cards for authorized users. You must pay us for all 
charges made by authorized users, even if you did not intend to be responsible 
for those charges. If you revoke permission for an authorized user to use a 
Card or to use your Account, you must notify us for the revocation to 
be effective.

Revolving Credit Line: Your initial revolving credit line appears on the Card 
carrier and your Welcome Letter. Part of your revolving credit line, called the 
Cash Advance limit, is available for Cash Advances. Your Cash Advance limit 
appears on your Welcome Letter. We may permit you to incur charges that 
cause your New Balance to exceed your revolving credit line. These charges 
will be evaluated based on account performance, information contained on 
credit bureau reports we review periodically and other credit accounts with 
us. If we authorize these charges, you must pay, as part of your Minimum 
Payment Due, the amount by which your New Balance exceeds your revolving 
credit line, including amounts due to Purchases, Cash Advances, finance 
charges, fees or other charges.

Contact Information: You must notify Cardmember Service of a change in 
address or other contact information, including state of residence, by calling 
888.4.ATIRA.1 (888.428.4721), mailing ATIRAcredit, P.O. Box 14542, Des 
Moines, IA 50306-3542 or emailing info@ATIRAcredit.com. (Please note: this 
email address is not secure; please do not include your account information. 
To discuss account-specific information, please call Cardmember Service.) 

Billing Statement: You shall receive a periodic billing statement in accordance 
with applicable law if your Account has a debit or credit balance of more 
than $1 or a finance charge has been imposed during that billing cycle. If we 
deem your Account uncollectible or institute collection proceedings through 
an outside agency or attorney, we may stop sending you statements. Periodic 
finance charges and fees may continue to accrue even if we stop 
sending statements.

The total amount you owe us appears as the New Balance on the billing 
statement. To determine the New Balance we begin with the total balance at 
the start of the billing period. We add any Purchases or Cash Advances and 
subtract any credits or payments credited as of that billing period. We then 
add any periodic finance charges or fees and make other adjustments.

Our Communications With You: If we need to contact you to service your 
Account or to collect amounts you owe, you authorize us (and our affiliates, 
agents and contractors) to contact you at any number you provide, from which 
you call us or at which we believe we can reach you. We may contact you in 
any way, such as calling or texting. We may contact you using an automated 
dialer or prerecorded messages. We may contact you on a mobile, wireless or 
similar device, even if you are charged for it.

APRs

APRs Based on Prime: We calculate any APR based on the U.S. Prime Rate 
(“Prime Rate”) by adding a margin to the Prime Rate. Your margin is identified 
in the Welcome Letter you receive from us. Your APRs are variable and may 
increase or decrease if the Prime Rate increases or decreases. For each billing 
period, we use the Prime Rate published in The Wall Street Journal ten (10) 
business days prior to your statement closing date. If The Wall Street Journal 
does not publish the Prime Rate, we may substitute a similar published rate. 
A change in the APR due to a change in the Prime Rate takes effect as of the 
first day of the billing period for which we calculate the APR. We apply the new 
applicable APR to any existing balances, subject to any promotional rates that 
may apply.

Effect of APR Increases: If the APR on your Account increases in accordance 
with this Agreement and as permitted by law, interest charges and your 
minimum payment may increase.

Penalty Rate: We do not charge a penalty rate.

Interest Charges: Interest charges are a finance charge added to  
your Account when we apply the applicable APR to the balances on 
your Account. 

When Interest Charges Begin to Accrue: Interest begins to accrue on 
Purchases, Cash Advances and any minimum interest charges from the date it 
is added to the daily balance and continues to accrue until payment in full is 
credited to your Account. 

Your Payment Due Date is at least 25 days after the close of each billing 
cycle. We will not charge you interest on Purchases that appear on your 
billing statement if you pay the New Balance on your statement in full by the 
Payment Due Date. 

For a Cash Advance, we will begin charging interest on the transaction date. 

How We Calculate Your Balance and Interest Charges:  
We calculate the interest charge separately for each Balance Subject to 
Interest rate, including for Purchases at the current rate, Cash Advances at the 
current rate and transactions at different promotional rates, as applicable. Your 
billing statement shows each Balance Subject to Interest Rate. 

We figure the interest charge on your Account by applying the periodic rate 
to the “average daily balance” of Purchases and Cash Advances. The average 
daily balances for Purchases and Cash Advances are calculated separately 
and determined as follows: To get the “average daily balance” we take the 
beginning balance of your Account for each Balance Subject to Interest Rate 
each day, add any new transactions in that category (which may include 
Purchases / Cash Advances) and subtract any unpaid interest or other finance 
charges and any payments or credits. This gives us the daily balance. Then, we 
add up all the daily balances (for that Balance Subject to Interest Rate) for the 
billing cycle and divide the total by the number of days in the billing cycle. This 
gives us the “average daily balance” for each Balance Subject to Interest Rate. 

For each Balance Subject to Interest Rate, we multiply the average daily 
balance by the applicable periodic rate. The periodic rate referenced in your 
Welcome Letter is a ‘monthly’ periodic rate and is calculated by dividing the 
APR on the Account by twelve (12). A billing period begins on the day after 
the Statement Closing Date of the previous billing period and includes the 
Statement Closing Date of the current billing period.

Minimum Interest Charge: If you are charged interest, the charge will be no 
less than $0.50. If in NC, no charge.

PAYMENTS
Minimum Payment Due: Each month your statement balance is greater than 
$0, you must pay at least the Minimum Payment Due by the Payment Due 
Date. To calculate the Minimum Payment Due, we begin with any past due 
amount and add any amount in excess of your revolving credit line. We then 
apply the minimum payment disclosed in your Welcome Letter.

The Minimum Payment Due never exceeds the New Balance. 
In calculating the Minimum Payment Due, we may subtract from the New 
Balance certain fees added to your Account during the billing period.

Application of Payments: Each billing period, to the extent your payment 
exceeds the Minimum Payment Due shown on your current billing statement, 
we will apply the excess amount to the balance of each transaction category 
beginning with the balance subject to the highest APR. Otherwise, we will 
apply payments and credits at our discretion. In all cases, we will apply 
payments and credit in accordance with applicable law.

Payment Instructions: Payments are credited in accordance with the payment 
instructions on the billing statement. Payments received in proper form 
online, at your financial institution or at our processing facility by 5 p.m. local 
time on any day will be credited as of that day. Payments received online, at 
your financial institution or at our processing facility after 5 p.m. local time 
will be credited as of the next day. You must pay us in U.S. dollars using a 
check, similar instrument or automatic debit that is drawn on and honored 
by a financial institution in the U.S. Do not send cash. We can accept late or 
partial payments, and payments that reflect “paid in full” or other restrictive 
endorsements, without losing our rights. We reserve the right to accept 
payments made in foreign currency and instruments drawn on funds on 
deposit outside the U.S. If we do, we select the currency conversion rate at 
our discretion and credit your Account in U.S. dollars after deducting any costs 
incurred in processing your payment, or we may bill you separately for 
such costs.

 
 
 
Foreign Currency Conversion Procedures: If you make a transaction in a 
foreign currency, other than a Cash Advance made at your financial institution 
or ATM of one of our affiliates, Mastercard® converts the amount into U.S. 
dollars as follows: Mastercard complies with its foreign currency conversion 
procedures then in effect. Mastercard currently uses a conversion rate in 
effect one day prior to its transaction processing date. Such a rate is either a 
wholesale market rate or the government mandated rate.

The foreign currency conversion rate in effect on the applicable processing 
date for a transaction may differ from the rate in effect on the Transaction or 
Post Date on your billing statement for that transaction.

If a transaction is converted by a third party prior to such transaction being 
processed by Mastercard, the foreign currency conversion rate for that 
transaction will be the rate selected by that third party.

CREDIT REPORTING
We may report information about your Account to credit reporting agencies. 
Late payments, missed payments or other defaults on your Account may 
appear on your credit report. If you request Cards on your Account for others, 
we may report account information in the names of those other people as  
well. We may also obtain subsequent credit reports on you (for example, 
when we review your Account for a revolving credit line increase). If you wish 
to know which agencies we contacted, write us at the Cardmember Service 
address on your billing statement.

If you think we reported erroneous information to a credit reporting agency, 
write us at the Cardmember Service address on your billing statement. We 
will promptly investigate the matter and if we agree with you, we will contact 
each credit reporting agency to which we reported and request a correction. 
If, after our investigation, we disagree with you, we will tell you in writing or by 
telephone how to submit a statement to those agencies for inclusion in your 
credit report.

CHANGES TO THIS AGREEMENT

We may change the rates, fees and terms of this Agreement at any time for 
any reason, as permitted by law. Further, we may be compelled to change the 
rates, fees and terms of this Agreement if you change your state of residence. 
We will provide you notice of changes as required by law. Any changes to this 
Agreement are binding on you. 

DEFAULT

You will be in default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; pay by a check or similar instrument that is 
not honored or that we must return because it cannot be processed; pay 
by automatic debit that is returned unpaid; make any false or misleading 
statements in any credit application or credit update; file for bankruptcy; 
close your Secured Card Collateral Account without also closing and paying 
the remaining balance of this Account; or die. You will also be in default if you 
fail to comply with the terms of this Agreement or any other Agreement you 
have with us. If you default, we may close your Account, exercise any security 
interest we have, including the security interest in the Secured Card Collateral 
Account, and require you to pay any unpaid balance immediately, subject to 
applicable law. 

AUTHORIZATIONS, CLOSED ACCOUNTS 
AND RELATED PROVISIONS

Authorizations: We do not guarantee authorization of a transaction, either 
by us or by a third party, even if you have sufficient credit available. We 
reserve the right to deny certain transactions for any reason and at our sole 
discretion, including for default, suspected fraudulent or unlawful activity, 
internet gambling or any indication of increased risk related to the transaction 
or the Account. You agree that we will not be liable for failing to give an 
authorization. We also reserve the right to limit the number of transactions 
that may be approved in one day. If we detect unusual or suspicious activity, 
we may suspend your credit privileges until we can verify the activity, or we 
may close the Account.

Preauthorized Charges: If you default, if the Card is lost or stolen or we change 
the Account for any reason, we may suspend automatic charges with third 
party vendors. If preauthorized charges are suspended, you are responsible 
for making direct payment for such charges until you contact the third party to 
reinstate the automatic charges.

Lost or Stolen Cards or Account Numbers: If any Card or Account number 
is lost or stolen or if you think someone used or may use them without 
permission, call Cardmember Service immediately at 888.4.ATIRA.1. We may 
require you to provide certain information in writing to help us find out what 
happened and to comply with our investigation. You must identify for us the 

charges that were not made by you, or someone not authorized by you and 
from which you received no benefit. You will not be liable for any unauthorized 
use that occurs after your notify us. You may be liable for unauthorized use 
that occurs before your notice to us. However, if you exercise reasonable care 
in safeguarding your card from risk of loss or theft and, upon discovering the 
loss or theft promptly report the loss or theft to us, you will not be liable for 
any unauthorized transactions. In any case, your liability will not 
exceed $50.00.

Closing Your Account: You may close your Account by notifying us in writing 
or calling the Cardmember Service number shown on your billing statement or 
on the back of your credit Card but must still repay the total balance remaining 
on the Account (identified as “New Balance” on your statement) in accordance 
with this Agreement. We may close your Account or suspend Account 
privileges at any time for any reason without prior notice. We may also reissue 
a different Card at any time. You must return any Card to us upon request. 
See “Security Interest In Secured Card Collateral” section for provisions on the 
return of any available collateral upon the closing of your account.

Security Interest In Secured Card Collateral Account: You authorize us to 
hold your Secured Card Collateral in an account at a federally-insured deposit 
institution. You agree to remit a deposit for the Secured Card Collateral 
and to maintain the minimum balance provided in the Welcome Letter. In 
consideration of us issuing you this account, you pledge, grant and assign to us 
a security interest in the Secured Card Collateral. This security interest includes 
all renewals, additions to, and proceeds in the Secured Card Collateral. You 
agree that this security interest, pledge, and assignment gives us the exclusive 
right to draw from the Secured Card Collateral any part or the full amount 
you owe us under this Agreement. You may not use, transfer, or grant another 
security interest in the Secured Card Collateral while it secures this Account. 
The Secured Card Collateral will not earn any interest. This security interest, 
pledge, and assignment is given as security for any and all amounts you may 
owe, including but not limited to interest, fees and charges which may accrue 
under the Account. You agree that if this Account is closed for any reason, the 
Secured Card Collateral will be used to pay off any balance on this Account. If 
there are still funds remaining in the Secured Card Collateral after doing so, 
these funds may remain on deposit for up to 60 days before being remitted 
to you.

WHAT TO DO IF THERE IS AN ERROR IN YOUR BILL

Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
ATIRAcredit, P.O. Box 14542, Des Moines, IA 50306-3542.
In your letter, give us the following information:
•  Account information: Your name and Account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you 
do we are not required to investigate any potential errors and you may have to 
pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or 

explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent 

on that amount.

• The charge in question may remain on your statement, and we may continue 

to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or 

Enforcing this Agreement: We can delay in enforcing or fail to enforce any of 
our rights under this Agreement without losing them.

any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think 
you owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first 
$50.00 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with 
your credit Card and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due 
on the Purchase.

To use this right, all of the following must be true:
1. The Purchase must have been made in your home state or within 100 miles 
of your current mailing address, and the Purchase price must have been 
more than $50.00. (Note: Neither of these are necessary if your Purchase 
was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.)

2. You must have used your credit Card for the Purchase. Purchases made 
with Cash Advances from an ATM or with a check that accesses your 
Account do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the 
Purchase, contact us in writing at ATIRAcredit, P.O. Box 14542, Des Moines, IA 
50306-3542.  

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.

DISPUTE RESOLUTION

Any dispute, controversy or claim arising under or otherwise in connection 
with this Agreement (including any breach, termination, validity or 
enforceability of any provision hereof) (a “Dispute”) shall be resolved as 
follows: Either Party may submit the Dispute to non-binding mediation 
in the State of Iowa, in accordance with the Rules of Arbitration then 
prevailing of the American Arbitration Association (the “Rules”). The Parties 
will mutually agree upon the mediator. If the Parties are unable to agree 
upon the mediator, the mediator will be selected by the Des Moines, Iowa 
office of the American Arbitration Association. If the Dispute is not resolved 
through mediation within ten (10) business days after the conclusion of the 
Hearing (as defined below), the Dispute may be submitted to arbitration in 
Des Moines, Iowa for resolution by final and binding arbitration by a sole 
arbitrator under the Rules, upon written notice of demand for arbitration 
by the Party seeking arbitration, setting forth the specifics of the matter in 
controversy or the claim being made.

“Hearing” means a hearing before the mediator during which each Party 
presents its position regarding the Dispute. 

APPLICABLE LAW AND ENFORCING OUR RIGHTS 

Applicable Law: The terms and enforcement of this Agreement shall be 
governed by federal law and the law of Iowa.

Armed Forces: Federal law provides important protections to members of the 
Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and 
his or her dependent may not exceed an annual percentage rate of 36 percent. 
This rate must include, as applicable to the credit transaction or account: The 
costs associated with credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); and 
any participation fee charged (other than certain participation fees for a credit 
card account). To hear this disclosure orally, please call 844.697.2550.

Collection Costs: If we refer collection of your Account to a lawyer who is not 
our salaried employee, you are liable for any reasonable attorney’s fees we 
incur, plus the costs and expenses of any legal action, to the extent applicable 
by law.

Assignment: We may assign any or all of our rights and obligations under this 
Agreement to a third party.

California Residents: A married applicant may apply for a separate account. 
Applicants: 1) may, after credit approval, use the credit card account up to its 
credit limit; 2) may be liable for amounts extended under the plan to any joint 
applicant. As required by law, you are hereby notified that a negative credit 
report reflecting on your credit record may be submitted to a credit reporting 
agency if you fail to fulfill the terms of your credit obligations. 

Connecticut Residents: This is an open-end loan being made pursuant to 
Connecticut Statutes Sections 36a-555 to 573.

Florida Residents: You (borrower) agree that, should we obtain a judgment 
against you, a portion of your disposable earnings may be attached or 
garnished (paid to us by your employer), as provided by Florida and 
Federal law.

Missouri Residents: Oral agreements or commitments to loan money, 
extend credit or to forbear from enforcing repayment of a debt including 
promises to extend or renew such debt are not enforceable. To protect you 
(borrower(s)) and us (creditor) from misunderstanding or disappointment, 
any agreements we reach covering such matters are contained in this 
writing, which is the complete and exclusive statement of the agreement 
between us, except as we may later agree in writing to modify it. 

New York Residents: We may obtain a credit report in connection with 
this Account, including for any review, modification, renewal or collections 
associated with this Account. Upon your request, you will be informed 
whether such report was requested and, if so, the name and address of the 
consumer reporting agency furnishing the report. New York residents may 
contact the New York State Banking Department at 877.226.5697 to obtain a 
comparative listing of credit card rates, fees and grace periods. 

Ohio Residents: The Ohio laws 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.

South Dakota Residents: If you believe there have been any improprieties in 
making this loan or in the lender’s loan practices, you may contact the South 
Dakota Division of Banking at  
1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone  
at 605.773.3421.

Wisconsin Residents: If you are married, please contact us immediately upon 
receipt of this Agreement at 888.4.ATIRA.1 and provide us with the name and 
address of your spouse. We are required to inform your spouse that we have 
opened a credit account for you.

FOR FURTHER INFORMATION
Call Cardmember Service at 888.4.ATIRA.1. This number is also shown on your 
billing statement and on the back of your Card. 

The ATIRAcredit™ Card is issued pursuant to a license by Mastercard  
International Incorporated. Mastercard and the Mastercard Brand Mark are 
registered trademarks of Mastercard International Incorporated. 

©2017, TMG Financial Services, Inc. ATIRA® is a registered service mark  
and ATIRAcredit™ is a service mark of The Members Group, LLC.