Agreement  for U.S. Bank National Association  Visa®  Personal Line of Credit Accounts 
This credit card program is issued and administered by U.S. Bank National Association. This information is accurate as of December 31, 2020.  
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  See the Agreement 
that was provided for your Account and Card for more detailed information, including contact information. 

PRICING INFORMATION:  Actual pricing will vary from one Cardmember to another 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Annual Percentage Rates for Purchases 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 10.25% 
(DPR) 0.028082% 

Annual Percentage Rates for Balance Transfers 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00 % 
(APR) 10.25% 
(DPR) 0.028082% 

Annual Percentage Rates for Cash Advances 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 10.25% 
(DPR) 0.028082% 

Penalty APR and When It Applies 
Paying Interest 

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Set Up and Maintenance Fees 

•  Annual Fee 

There is no Penalty Rate for your Account. 
Your due date is 24-30 days after the close of each billing cycle. 
There is no interest-free period. 
If  you are charged interest, then the Minimum Interest Charge 
will be NONE. 
To  learn  more about f actors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 
NOTICE:  Some of these set-up and maintenance f ees will be 
assessed before you begin using your Card and based on your 
Credit Limit, your initial available credit will be less.  

You may still reject this Account, provided that you have not yet 
used it or paid a f ee after receiving a billing statement. If  you do 
reject  the  Account, you  are  not  responsible f or any  f ees or 
charges. 
NONE 

Transaction Fees   

•  Balance Transf er Advance Fee  
NONE   
•  Convenience Check Advance Fee 
NONE   
•  Financial Institution Cash Advance Fee   NONE   
•  Cash Equivalent Advance Fee 

Either $20 or 4% of  the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   

•  Cash Advance Overdraft Protection Fee  NONE 
•  Cash Advance ATM Fee 

•  Foreign Transaction Fee 

Account Fees 

•  Late Fee  
•  Return Payment Fee  

Up to $40 
Up to $35 

Either $15 or 4% of  the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   
Up to 3% of each foreign transaction amount. 

 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.  See 
the Agreement for more details. 

U.S. BANK NATIONAL ASSOCIATION 
P. O. Box 6352 
Fargo, ND   58125 

Account Agreement  

This is an agreement and disclosure statement (“Agreement”) between you and U.S Bank 
National Association containing the terms that will apply to  your Account (“Account”) 
effective December 31, 2020.  In this Agreement, “you”, “your” and “Accountholder” means 
each individual accepting a solicitation or applying for the Account or otherwise agreeing 
to be responsible for the Account.   “We”, “us”, “our”, and “the Issuer” means U.S. Bank 
National Association, the issuer of the Card and your Account creditor.  Please read this 
Agreement carefully and keep it in a safe place to make the best use of the Account and 
credit cards we may issue with this Account (“Card”).  The Agreement becomes effective 
as soon as you or someone authorized by you uses or activates the Card or Account. Even 
if the Card or Account has not been used or activated, the Agreement becomes effective 
unless you contact us within 30 days after you receive the Card by calling the number on 
the back of the Card to cancel your Account.  This web Agreement does not replace the 
Agreement that is provided with the Account and Card.    

This  Agreement  contains  an  arbitration  provision  (including  a  class  action 
arbitration waiver).   It is  important that you read the entire Arbitration  Provision 
section carefully. 

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT 

1.  Personal Use:  You may  use the  Account  only for  personal, family or  household 
purposes. Federal or state consumer protection laws may not apply if you use the Account 
for other than personal, family or household purposes.  

2.  Expanded Account Access:  Any card or PIN issued to or selected by you under this 
Agreement will access multiple checking, savings, line of credit and credit card accounts 
in your name at U.S. Bank or any of its bank affiliates; and any Account opened under this 
Agreement may be accessed by any card(s) or PIN(s) that you have selected or that have 
been issued to you or may in the future be selected by you or issued to you by us or our 
bank affiliates.  “Expanded Account Access” means use of a card or account number and 
PIN to conduct a transaction or obtain information at ATMs or via telephone, personal 
computer banking, or any other available method. Expanded Account Access may be 
available for up to 5 checking, 5 savings, and 5 line of credit or credit card accounts, and 
at other ATMs and with other available methods of access, other limitations may apply.  

3.  Purchases:  You may use the Account to buy,  lease or otherwise obtain goods or 
services  from  participating  merchants  (including  transactions  you  initiate  by  mail, 
telephone or over the Internet), or take advantage of special promotional Balance Transfer 
offers that post as Purchase transactions (“Purchases”).  We will, in connection with any 
promotional offer we make from time to time, provide information on your Card carrier or 
in additional materials (the “Offer Materials”) that explain whether those transactions will 
post and be treated as  a Purchase. Even if  you have not signed a sales draft or the 
merchant has not supplied you with a written receipt or other proof of sale, you are 
responsible for all Purchases made through your Account, except as expressly limited by 
applicable law (see “Your Billing Rights” section below for more details).  

 4. Advances:   “Advances” are transactions other than Purchases that allow you direct 
access  to  funds  available through your Account.    Advances  may  include Account 
transactions such as cash advances you obtain directly from us, automated teller machines 
(“ATMs”) or other participating financial institutions (“Cash Advances”). ATM and financial 
institution Advances include phone (automated phone system and 24 Hour customer 
service assisted) and Internet transfers. Advances also include some Balance Transfers, 
Convenience Checks, FastCash, Overdraft Protection Advances and Cash Equivalent 
Advances.  “Cash Equivalent Advances” include transactions to acquire or initiate wire 
transfers, travelers checks, cashier’s checks, money orders, foreign cash transactions, 
casino gaming and betting transactions and lottery tickets.  Monthly Account statements 
we issue may refer to Advances as an Advance, Cash, Cash Advances, or by the product 
or device you used to obtain an Advance.  Refer to the Account Fees section for details on 
Advance Transaction Fees. 

5.  Advance Limits:  Only  a portion of  the Credit Limit (defined below) is available for 
Advances and that portion may vary from time to  time. Although you may have credit 
available under your Account, we  may be unable to authorize an Advance. You may 
contact Cardmember Service to learn the portion of your Credit Limit which is available for 
Advances. 

6.  Checks Issued on the  Account:   We will supply Access Checks  and Convenience 
Checks for use by the person(s) or drawer named on those checks (collectively “Checks”).  
These Checks are drafts that look like other checks, but are drawn on credit available in 
the Account. Checks must  be written in U.S. Dollars.   We will honor a properly signed 
Check provided your Account has available credit to  cover the amount of the Check.  
Access Checks are not subject to Advance fees.  From time to time, we may supply you 
with  Convenience Checks.   We will, in  connection with any Convenience Check we 
provide, include Offer Materials that will explain whether the Convenience Check will post 
and be treated as an Advance or as a Balance Transfer.  We may also return a Check 
unpaid if:  
(a) the credit available under your Credit Limit is less than the Check amount;  
(b) the Account is in Default; or  
(c) the Check is improperly endorsed or otherwise fails to conform to our regularly accepted 
standards for check payment.  
Checks may not be used to pay your Account or any obligation you owe us or our affiliates. 

7. Paying and Stopping Payment on Checks:  You must write to us or call to request that 
payment be stopped on a Check.  You must call us promptly with an oral stop payment 
request and then provide us with a written confirmation of the stop payment request within 
14 calendar days. Any written stop payment request we receive will remain in effect for 6 
months, unless you renew the request in writing before the end of that time. We may pay 
Checks more than 6 months old. There may be circumstances under which a Check must 
be paid, even if we have received a stop payment request from you. We will not be liable 
to you if we do not honor your stop payment request under those circumstances. If it is 
determined that a Check should have been paid, but was not, we will not be liable for any 
consequential, punitive or incidental damages if we acted in good faith. Our only obligation 
under those circumstances will be to pay the designated payee the amount of the Check 
and cancel any charges assessed against your Account as a result of any wrongful failure 
to honor the Check.  

8. Balance Transfers: We may permit you to transfer balances and obligations that you 
owe other companies or financial institutions to your Account, subject to the terms and 
conditions disclosed in the Offer Materials (“Balance Transfers”). Balance Transfers will 
post to your Account and be separately reflected on monthly Account statements as a 
Balance Transfer, or, depending upon the offer, may post to the Account and be treated 
as a Purchase or an Advance.   We will, in connection with any Balance Transfer offer we 
make, provide you with materials that explain how the Balance Transfer will post to your 
Account and be reflected on monthly Account statements. You may not request Balance 
Transfers on existing obligations you owe us or our affiliates. If you request a Balance 
Transfer that would cause your Account to exceed its Credit Limit, we may, at our option, 
(a) post the entire Balance Transfer requested to your Account; (b) post only a portion of 
the Balance Transfer requested to your Account up to the amount of credit available under 
the  Credit Limit; or  (c)  refuse to process the  entire amount of the  Balance Transfer 
requested.  

9. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have 
specifically requested and have obtained  an Overdraft Protection Plan  by linking the 
Account with a designated U.S. Bank personal checking account ("checking account").  An 
"Overdraft Protection Advance" is an advance of  funds to  your designated checking 
account from this Account that will help cover overdrafts on your checking account.  Any 
Overdraft Protection Advance will post and be charged interest as an Advance drawn on 
the Account.  Please refer to the U.S. Bank Deposit Account Agreement (entitled, "Your 
Deposit Account Agreement") for full Overdraft Protection Plan terms and the Consumer 
Pricing Information Brochure for fees that apply for Overdraft Protection Advances.  We 
may cancel Overdraft Protection privileges under the Account, even if the Account remains 
open for other purposes. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEREST CHARGES AND ACCOUNT FEES 

10. Account INTEREST CHARGES:  INTEREST CHARGES reflect the cost of credit. Your 
total INTEREST CHARGE for any billing cycle will equal the amount of any (a) periodic 
rate INTEREST CHARGES (sometimes referred to as “interest” in this Agreement and on 
monthly Account statements); (b) Advance Transaction Fees; and (c) any other transaction 
fees that are considered INTEREST CHARGES.  

11. Interest Rate:  In this Agreement, we have abbreviated the terms “daily periodic rate” 
as DPR, “average daily balance” as  ADB,  and “ANNUAL PERCENTAGE RATE” as 
APR.  
(a) Standard Interest Rates-  
Rate  for "Purchases" and "Balance  Transfers": The DPR  for transactions posting as 
Purchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate for 
"Advances": The DPR and corresponding APR for transactions posting to the Account as 
Advances is equal to 1/365th of its corresponding APR.  

(b) Your Variable APRs are calculated by adding a margin to the Index. Your Variable DPR 
is equal to 1/365th of the corresponding APR. Your DPR and corresponding APR may 
increase or decrease from time to time according to the movements up or down of the 
Index, which is the Prime Rate published in the "Money Rates" section of the Midwest 
Edition of The Wall Street Journal on the last publication day before the date on which the 
billing cycle closed (in other words, the "statement date"). We reserve the right to choose 
a comparable new index if The Wall Street Journal ceases to publish a Prime Rate. The 
margin is the percentage we add to the Index to calculate the APR. The current applied 
Index value for your Account is 3.25%.  Any variable rate adjustment based on a change 
to your margin will be effective as of the first day of the current billing cycle, and will apply 
to all new Account balances and transactions subject to that variable rate. Any variable 
rate adjustment based on a change to your Index will be effective as of the first day of the 
current billing cycle, and will apply to all new and outstanding Account balances and 
transactions subject to that variable rate. An increase or decrease to the Index or margin 
will apply to  Purchase, Advance, and Balance Transfer balances and will result in an 
increase or decrease in the INTEREST CHARGE on the Account, an increase or decrease 
to your Minimum Payment, and an increase or decrease to your New Balance. 

Introductory and Promotional Rates:  We may, at our option, offer you for a limited time  
introductory or promotional interest rates for all or part of new  Purchase, Advance, or 
Balance Transfers posted to  your Account. We will tell you in the  Offer  Materials the 
introductory or promotional rate and the period of time during which that rate will be in 
effect and any conditions or requirements of the offer. Unless the Offer  Materials state 
otherwise, an introductory or promotional rate will remain in effect until the last day of the 
billing cycle in which the introductory or promotional rate expires. Any introductory or 
promotional rate that applies to new or outstanding Account balances will increase to the 
standard rate that would otherwise apply, or, when appropriate under the terms of this 
Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).    

12.  INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate:  We 
calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the 
applicable DPR by the ADB (including new transactions) of the Purchase, Advance and 
Balance Transfer categories subject to interest, and then adding together the resulting 
interest  from  each category.  We determine the  ADB  separately for  the  Purchases, 
Advances and Balance Transfer categories. To get the ADB in each category, we add 
together the daily balances in those categories for the billing cycle and divide the result by 
the number of days in the billing cycle. We determine the daily balances each day by taking 
the beginning balance of those Account categories (including any billed but unpaid interest, 
fees, credit insurance and other charges), adding any new interest, fees, and charges, and 
subtracting any payments or credits applied against your Account balances that day. We 
add a Purchase, Advance or Balance Transfer to the appropriate balances for those 
categories on the later of the transaction date or the first day of the statement period. Billed 
but  unpaid interest on Purchases, Advances and Balance Transfers is added to the 
appropriate balances for those categories each month on the statement date. Billed but 
unpaid Advance Transaction Fees are added to the  Advance balance of your Account on 
the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit 
insurance  
charges, and other charges are added to the Purchase balance of the Account on the date 
they are charged to the Account. Billed but unpaid fees on Balance Transfers are added 
to  the Balance Transfer balance of the Account on the date they are charged to the 
Account. In other words, billed and unpaid interest, fees, and charges will be included  
in the ADB  of your Account that accrues interest and will reduce the amount of credit 
available to you. Credit insurance charges are not included in the ADB calculation for 
Purchases until the first day of the billing cycle following the date the credit insurance 

premium is charged to the Account. Prior statement balances subject to an interest-free 
period that have been paid on or before the payment due date in the current billing cycle 
are not included in the ADB calculation.  As described above, this Agreement provides for 
the compounding of interest on your Account. 

13.  Paying Interest:   There is no interest-free period for transactions that post to the 
Account except as provided in any Offer Materials. Transactions are subject to interest 
from the date they post to the Account until the date they are paid in full.   

14. Advance Account Fees:  You agree to pay the following Account fees and INTEREST 
CHARGES: 

(a) We may add an Advance Transaction Fee INTEREST CHARGE to the Advance 
balance of the Account for each Advance you obtain during a billing cycle in addition 
to the interest that accrues on the Advances. The Advance Transaction Fee imposed 
will equal the greater of either a percentage of each Advance or the minimum dollar 
amount, subject to the maximum dollar amount.   

15.  Account Fees: 

(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for 
each Promotional Discount you receive during the billing cycle, as outlined in any 
Offer Materials. 
(b) Each year, the  Account may  be subject to  your payment in advance of  an                    
Annual Membership Fee which will compensate us for maintaining and servicing the 
Account for the following year.  This fee will be charged to the Purchase balance of 
your Account. 
(c) We may add a Late Payment Fee to the Purchase balance of the Account if your 
Minimum Payment is not received by the Payment Due Date shown on the monthly 
Account statement.   
(d) There is no Overlimit Fee on your Account.         
 (e) We may add a Returned Payment Fee to the Purchase balance of the Account 
if any payment on the Account is not honored or if we must return it to you because 
it cannot be processed. A check that is returned unpaid will be sent for collection.  
(f)  We will add a  Duplicate Documentation Fee to the Purchase balance of the 
Account for each copy of a monthly statement, sales slip, refund slip, or Advance slip 
that  you request. There will be  no charge for documentation requests made in 
connection with a billing error notice, if our investigation indicates a billing error 
occurred. 
(g)  We may add a service charge to the Purchase balance of the Account if you call 
us to make a payment on your Account and are assisted by a Cardmember Service 
Representative to make the payment. You will be provided with confirmation of the 
service charge before the payment transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of your Account 
if you request a stop payment on a Convenience Check.  (See "Paying and Stopping 
Payment on Convenience Checks" section above for more details.) 
(i)   We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of                  
your Account, except where Offer Materials specify otherwise. 

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

16.  BalanceShield  or  Insurance  Charges:  Your  purchase  of  BalanceShield  debt 
cancellation or credit life insurance and disability is optional.  Whether or not you purchase 
BalanceShield or credit insurance will not affect your application for credit or the terms of 
any existing credit agreement you have with us.  If you elect to purchase BalanceShield or 
credit insurance and are eligible to participate, the monthly program fee or premium (at the 
rate disclosed to you) will be added to the Purchase balance as of the closing date of each 
billing  cycle  based  upon  the  Account  balance  (including  accrued  INTEREST 
CHARGES).The terms  of  your  BalanceShield  coverage will  be  summarized in  the 
BalanceShield Debt Cancellation Program Agreement, which will be provided to you upon 
enrollment. For credit insurance, the terms of your insurance coverage will be summarized 
in the Certificate of Insurance, which will be provided to you.  

17. Credit Limit:  The Account Credit Limit for your Account is the maximum amount of 
credit available and that you may owe under the Account at any time. You may not request 
or obtain additional Purchases, Advances or Balance Transfers once you have reached 
your Credit Limit. The initial Credit Limit is shown on your Card carrier and will appear on 
your monthly Account statements. We reserve the right to review your Account at any time 
and increase or decrease your Credit Limit. You may not increase your Credit Limit by 
carrying credit balances over the Credit Limit we make available to you. 

18. Payment: You must pay us in U.S. Dollars with checks or similar payment instruments 
drawn on a financial institution located in the United States.  We will also accept payment 

 
 
 
 
 
 
 
 
 
 
 
   
 
                  
  
 
 
 
in U.S.  Dollars via the Internet or phone or previously established automatic payment 
transaction.   We may,  at our option, choose to accept a payment drawn on a foreign 
financial institution. However, you will be charged and agree to pay any collection fees 
required in connection with such a transaction. The date you mail a payment is different 
than the date we receive that payment. For purposes of this Agreement, the payment date 
is the day we receive your check or money order at the address specified on your monthly 
Account statement or the day we receive your electronic or phone payment.  If you mail 
your payment without a payment coupon or to an incorrect address, it may result in a 
delayed credit to your Account, additional INTEREST CHARGES, fees, and possible 
suspension of your Account.  

19. Minimum Payment: Each month, you must pay at least the Minimum Payment and any 
past due Minimum Payment(s) by the Payment Due Date shown on your monthly Account 
statement. You may, at your option, pay more than the Minimum Payment or pay the New 
Balance (as stated on your monthly Account statement) in full to  reduce or avoid the 
INTEREST CHARGE for  the  Account. Your Minimum Payment will be calculated as 
follows:  first, we determine the “Base Minimum Payment,” which is the greater of $50.00 
or 1% of your New Balance not including items (1) and (2) below, which, if not a whole 
dollar amount, will be rounded to the next highest dollar.  To the Base Minimum Payment, 
we may add one or more of the following items, as incurred on your Account: (1) any late, 
annual and/or any other Account related fee, (2) the INTEREST CHARGE, and (3) if your 
Account is over the Credit Limit, some or all of the balance amount over your Credit Limit. 
If  the resulting Minimum Payment is greater than $50.00, the total, if not a whole dollar 
amount, is then rounded to the next highest dollar not to exceed your New Balance. Any 
Minimum Payment or additional amount you pay each month will not prepay any future 
Minimum Payments required, or change your obligation to make at least a  Minimum 
Payment by the Payment Due Date. Any statement credit that results from a promotional 
offer or rewards redemption, if applicable, will only be applied to the Account balance and 
not satisfy any portion of the Minimum Payment requirements for this Account.  

20. Payment Application:  If we cannot collect on your check or other payment item you 
send us to pay on your Account, we may post as an Advance transaction an amount equal 
to the credit previously given to you for such check or payment item and we may charge 
interest on this amount from the date your Account originally was credited for the payment. 
After a payment has been made, we reserve the right to withhold available credit in the 
amount of the payment for 7 business days. Any credit available before the payment is 
made will continue to be available for use during this time. 

21. Skip Payment Option:  We may, at our option, occasionally offer you an opportunity to 
skip your obligation to make the Minimum Payment due. You may not skip payments 
unless we make this offer to you.  If we offer you an opportunity to skip a payment more 
than once in a 12 month period, you will not be permitted to skip payments required in 
consecutive months. You cannot accept a skip payment offer if your Account is delinquent, 
or is in Default. When you take advantage of a skip payment offer, the interest will continue 
to accrue on the entire unpaid balance of your Account.  

22. Change of Address:  Your monthly Account statements and notices about your Account 
will be sent to the address you provided in your application or your response to our Account 
solicitation. To change your address, you must call or write to us.   We must receive this 
information 21 days before the date a billing cycle closes to provide your monthly Account 
statement at your new address. If  you have an address change within 45 days of  the 
expiration date of  your Card(s), please contact  Cardmember  Service with your new 
address so your new Card(s) can be mailed to your new address. We may also update 
your address in our records without a request from you if we receive an address change 
notice from the U.S. Postal Service or if we receive updated address information from our 
mail services vendor. 

23.  Authorized Users: You agree not to  allow access to  your Card, Account number, 
Convenience Checks, or personal identification number (PIN) to anyone else to use your 
Account, except by asking us to issue a card to grant Account access to another person.  
If you allow access to your Card or Account information, you will be liable for any charges 
made by that person, unless and except as expressly required by applicable law.  You 
agree to be responsible for all Account transactions made by a Accountholder , or anyone 
who you have authorized by (a) asking us to issue a Card to grant Account access to 
another person; (b) lending your Card to or allowing Account access by another person; or 
(c) any other way in which you would be legally considered to have allowed another person 
to use your Account or to be legally prevented from denying that you did so.  Be cautious 
when allowing another person to become an authorized user of your Account; once you 
allow authority to any authorized user you cannot limit that authority unless the Account is 
closed to future transactions.  You, as a primary or joint Accountholder must call or write 
us with any request to cancel and remove a person’s authority. We will not provide any 

Account information to anyone other than you and any Authorized Users.   Authorized 
Users have no right to make any Account changes or inquiries. 

24. Lost or Stolen Card or Other Information: You must notify us immediately by telephone 
or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there is possible 
unauthorized use of your Card, Account, or PIN. You will not be liable for unauthorized use 
of your Account.   If this happens, we will ask you and all other persons given Account 
access to return all Cards and unused Convenience Checks to us. In addition, we have 
the right to close your Account and open a new Account. If we do so, new Cards will be 
issued.  If requested, we may issue a new PIN and new Convenience Checks for your new 
Account. 

25.  Using Your Card for  International Transactions: You may use your Card for retail 
Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear 
either the PLUS System or the Visa logo.  Some merchant and ATM transactions, even if 
you and/or the merchant or ATM are located in the United States, are considered foreign 
transactions under the applicable Visa rules, in which case we  will  add the Foreign 
Transaction Fee INTEREST CHARGE described  in this section to those transactions.  We 
do  not control  how these  merchants, ATMs,  and transactions are classified for  this 
purpose.  The exchange rate in effect when the transaction is processed may differ from 
the rate in effect on the date of the transaction or the date of the posting of the transaction 
to your Account. 

If  you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS 
System logo), the transaction will be processed through the Visa system and will be 
converted to U.S. Dollars according to the applicable rules established by Visa from time 
to time.   Currently, the currency conversion rate used by Visa to determine the foreign 
currency transaction amount in U.S. Dollars is determined by multiplying the amount of the 
foreign currency transaction times (a) a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in 
effect for the applicable central processing date.  If your foreign transaction is in foreign 
currency prior to  being processed by  Visa,  we  will  add a  Foreign Transaction Fee 
INTEREST CHARGE  of  3.00% of  the  Purchase transaction  or  3.00% of  the  ATM 
transaction. If  your foreign transaction is in or converted to U.S.  Dollars prior to being 
processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of 3.00% 
of the Purchase transaction or 3.00% of the ATM transaction.  If you use your Card at an 
ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be 
processed through the PLUS System and will be converted into U.S.  Dollars at  the 
exchange rate established, from time to  time,  by  the operator of that  ATM.    To  the 
converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 

If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM 
operator will determine whether to send your transaction over the Visa or PLUS System 
network using such network’s respective currency conversion rules then in effect (as 
explained above).   

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

26.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances, Balance 
Transfers, INTEREST CHARGES, Account Fees  and charges, any other transaction 
charges as provided in this Agreement and, to the extent permitted under applicable law, 
attorneys fees and collection costs we incur enforcing this Agreement against you. This is 
the case even if your Account is only used by one of you, or is used by someone authorized 
by only one of you. If there is more than one Accountholder, each of you is responsible, 
together and separately, for the full amount owed on your Account.  Your obligation to pay 
the  Account  balance continues even  though  an  agreement, divorce  decree,  court 
judgment, or other document to which we are not a party may direct another person 
responsible to pay the Account.   

27. Intent to Repay:  Every time you use your Account, you represent to us that you intend 
to and have the ability to repay your Account obligations. We rely on this representation 
every time you use your Account. 

28. Settling a Disputed Balance; Payment in Full:  If you want to settle a disagreement with 
us about any amount you owe by sending a check on which you have written  
“Payment in Full” or similar language, you must send us a written explanation of the 
disagreement or dispute and any such check to Cardmember Service. (See Your Billing  
Rights section below for complete details.) This address is different than the address you 
use to make Account payments. Writing “Payment in Full” or similar language on the check 
will not be enough to resolve the dispute. If we collect a check or any payment instrument 
marked “Payment in Full” that you sent to an address other than the one provided in this 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
section (such as the address at which you normally make payments), we will not have 
waived our right to collect any remaining amount you owe us under the terms of your 
Account. 

29. Default:  You and your Account will be in Default if:  

(a) we do not receive the Minimum Payment by the Payment Due Date disclosed on 
the monthly Account statement; 
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Accountholder; 
(d)  you  become  insolvent, assign  any  property to  your  creditors,  or  go  into 
bankruptcy or receivership; 
(e)  you  have  made  false  statements  on  your  Account  application or  in  the 
maintenance of your Account; 
(f) we have any reason to believe that your Account is in danger of, or is being used 
for fraud; 
(g) you are a married community property state resident and you or we receive a 
written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the risk that 
you will not live up to your payment and other obligations under this Agreement; or 
(j) this is a joint Account and one of you notifies us that he or she wants the Account 
closed or will no longer be liable on the Account. 
You and your Account will also be in Default if you go over your Credit Limit. 

30. Illegal Purchases:  You agree that you will not use or permit an authorized user to use 
the Card or Account for any unlawful purpose, such as funding any account that is set up 
to facilitate online gambling. 

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

31. Ownership of this Account: Your Card and any other Account access devices that we 
supply to you are our property and must be immediately returned to us or our designated 
agent or otherwise destroyed or surrendered as we instruct.  

32. Changes to your Account:  Account and Agreement terms are not guaranteed for any 
period of time; we may change the terms of your Agreement, including APRs and fees, in 
accordance with applicable law and the terms of your Agreement. Your transactional 
experience with us may also cause a change, including an increase in the margin that is 
added to the Index, an  increase in fees, or a  decrease in the Credit Limit.   Factors 
considered in determining the increased rate or Credit Limit decrease may include your 
general credit profile,  existence,  seriousness and timing  of  the  defaults  under any 
agreement that you  have with  us,  and other indications of  the  Account usage and 
performance. We will give you notice of any such change in the manner required by law. 
Revised Account terms apply as of the effective date communicated in our notice to you 
unless the notice provides you with the right to opt out, and you do opt out, before the 
effective date.   

33. Cancellation of Your Account:  We may cancel your Account or suspend your ability to 
obtain Account credit immediately, without notice, if your Account is in Default. Even if you 
are not in Default, we may cancel your Account by providing notice to you. You may cancel 
your Account by notifying us by telephone or in writing.   If this is a joint Account, we will 
honor a request by either of you to cancel the Account. After the Account is cancelled, you 
will not be able to obtain additional Account credit, except that, (a) the Account may 
continue to receive recurring charges for items and services until you contact and cancel 
delivery with the company providing the item or service, or (b) under certain circumstances 
if you use your Account for a transaction, the transaction may be posted to your Account.  
After your Account is cancelled, all amounts outstanding on your Account will be due and 
payable without notice or demand from us.  You must  cut all Cards and Convenience 
Checks in half and return them to us.  If  you do not pay the amount you owe under this 
Agreement, you will be liable for our collection costs including our reasonable attorney fees 
and expenses of legal actions, to the extent permitted by applicable law. 

34. Our Rights if You Are in Default:  If you are in Default, we will give you notice of your 
right to cure the Default as may be required by law. If you do not cure the Default within 
the time stated in the notice, we may declare the Account balance due and payable. You 
remain responsible for all amounts charged to your Account both before and after receipt 
of such notice. We may also use any other legal right it has. Except where prohibited we 
may charge any amount due against any of your deposit accounts that you have with we 
or its affiliates except for any balance resulting from use of your Bank credit card. If you 
Default by exceeding your credit limit, the excess may be treated as an Advance; however, 
it must be repaid in full with your next regular payment unless other arrangements are 
made with we at the time.  

35. Assignment of Your Account to Another Creditor:  We may assign, sell or transfer your 
Account and amounts owed by you to another creditor at any time. If we do, this Agreement 
will still be in effect unless and until amended, and any references made in this Agreement 
to “we”, “us”, or “our” will refer to the creditor to which we assigned, sold or transferred your 
Account or amounts owed under your Account. You may not delegate your obligations and 
responsibilities to us to any third party without our express written consent. 

OUR LEGAL RIGHTS AND OBLIGATIONS 

36.  Collecting Credit Information a bout You:   You authorize us to  make any  credit, 
employment and investigative inquiries we feel are appropriate related to giving you credit 
or collecting amounts owed on your Account. You agree that a consumer credit report may 
be  requested periodically from  one  or  more  consumer reporting agencies (“Credit 
Bureaus”) and used in connection  with your application and any update, renewal or 
extension of credit. We will provide information about you, your Account or your credit 
history to Credit Bureaus and others who may properly receive that information. 

37.  Credit  Bureau Disputes:   If  you  believe we  inaccurately reported credit history 
information about you or your  Account to a Credit Bureau, write to us  at  Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166-9801.  

38.  Privacy Pledge and Disclosure of Account Information:  A copy of our Privacy Pledge 
was included with your original Agreement. We also keep copies of our Privacy Pledge in 
financial institution offices and post it on our web site.  Our Privacy Pledge describes how 
we collect, protect and use confidential financial and other information about you and the 
circumstances in which  we might  share information about you with members of our 
corporate family and with unaffiliated third parties. Our Privacy Pledge also tells you how 
you can (a) limit the ways we share certain kinds of information about you and (b) request 
corrections to the information we maintain about you. 

39. Refusal to Honor Transactions:  We and our agents are not responsible if anyone 
refuses to honor your Card or a Convenience Check, or if authorization for a particular 
transaction is not given. Although you may have credit available under your Account, we 
may be unable to authorize credit for a particular transaction. The number of transactions 
you make in one day may be limited, and the limit per day may vary. These restrictions are 
for security reasons and as a result we cannot explain the details of how this system works. 
If your Account is over the Credit Limit or delinquent, authorization of credit for transactions 
may be declined. We are not responsible for anything purchased with your Card or a 
Convenience Check, except as  expressly required by applicable law (see Your Billing 
Rights section below for more details). You must return goods you purchased with the Card 
or Account to the merchant and not to us.  

40. Third Party Offers:  From time to time, third parties may provide you with benefits not 
related to the extension of Account credit. We are not liable for these features, services 
and enhancements, as they are the sole responsibility of the third party provider. We and/or 
a third party may add, change or delete entirely these benefits without notice or liability to 
you, to the extent permitted by applicable law. You agree to hold us harmless from any 
claims, actions or damages resulting from your use of any of these features, services or 
enhancements, where permitted by applicable law. 

41. Monitoring and Recording Communications: You understand and agree that we, and 
anyone acting on our behalf, may monitor and/or record any communications between you, 
or anyone acting on your behalf, and us, or anyone acting on our behalf, for quality control 
and other purposes.  You also understand and agree that this monitoring or recording may 
be  done without  any  further notice  to  you  or  anyone acting on  your  behalf.   The 
communications that may be monitored or recorded include telephone calls, cellular or 
mobile phone calls, and any other communications in any form.    

42. Severability:  If a court of competent jurisdiction finds any part of this Agreement illegal 
or unenforceable, the remaining portions of the Agreement will remain in effect as written 
after any such illegal or unenforceable portion is amended in conformance with applicable 
law or, if necessary, voided.  

43. Entire Agreement:  This version of the web Agreement replaces any previous versions 
of the web Agreement. The Agreement, as modified by any change in terms we may deliver 
from time to  time in accordance with applicable law, constitutes the  entire agreement 
between you and us, and supersedes any prior negotiation, agreement, or understanding 
between you and us concerning the subject matter of the Agreement.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
44. Waiver:  We do not give up our rights under the Agreement or applicable law when we 
fail to exercise or delay exercising those rights. Our failure or delay to exercise any right or 
remedy we have against you does not mean that we waive that right. 

45.  Arbitration Provision: 
(a)  You agree that either you or we can choose to have binding arbitration resolve 
any claim, dispute or controversy between you and us that arises from or relates to 
this  Agreement or  the  Account and  credit  issued  thereunder (individually  and 
collectively, a "Claim").  This does not apply to any Claim in which the relief sought 
is within the jurisdictional limits of, and is filed in, a small claims court.  If arbitration 
is chosen by any party, the following will apply: 

(1)  NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN 
COURT OR TO  HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-
ARBITRATION  DISCOVERY,  EXCEPT  AS  PROVIDED  FOR 
IN  THE 
APPLICABLE ARBITRATION RULES.  
(2)  Arbitration will only decide our or your Claim, and you may not consolidate 
or join the claims of other persons who may have similar claims.  YOU WILL 
NOT  HAVE  THE  RIGHT  TO  PARTICIPATE  AS  A  REPRESENTATIVE OR 
MEMBER OF  ANY CLASS OF  CLAIMANTS, OR  AS A PRIVATE ATTORNEY 
GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.  
(3)   The arbitration  will  be  performed  in  accordance with  this  Arbitration 
Provision and the rules of the chosen arbitrator in  effect when the Claim  is 
filed.   
(4)  The arbitrator’s decision will generally be final and binding, except for the 
limited right of appeal provided by the Federal Arbitration Act.  
(5)  Other rights that you would  have if you went to court might also not be 
available in arbitration.  

(b)  The party commencing the arbitration may select to use either JAMS or  the 
American  Arbitration  Association  ("AAA")  (or,  if  neither  of  these  arbitration 
organizations  will  serve, then  a  comparable  substitute arbitration  organization 
agreed upon  by the parties or,  if the parties cannot agree, chosen by a court of 
competent  jurisdiction).    If  JAMS  is  selected, the  arbitration  will  be  handled 
according to its Streamlined Arbitration Rules unless the Claim is for $250,000 or 
more, in which case its Comprehensive Arbitration Rules shall apply.  If the AAA is 
selected, the arbitration will  be handled according to its  Commercial Arbitration 
Rules.  You may obtain rules and forms for JAMS by contacting JAMS at 1-800-352-
5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800-778-7879 
or www.adr.org.   Any arbitration hearing that you attend will take place in the federal 
judicial district where you reside.  At your request, we will advance your filing and 
hearing fees for any Claim you may file against us. If you prevail on your Claim, we 
will pay your arbitration costs and fees, other than attorney, expert and witness fees 
and expenses.  We will also pay any fees or expenses that applicable law requires 
us to pay.  The arbitrator shall apply applicable substantive law consistent with the 
Federal  Arbitration  Act,  9  U.S.C.  §§ 1  through  16, including  but  not  limited  to 
applicable statutes of limitation, and shall honor claims of privilege recognized at 
law.   Judgment upon the award rendered by the arbitrator may be entered in any 
court having jurisdiction.  

(c)  This Arbitration Provision shall survive repayment of your extension of credit 
and termination of your Account.  This Arbitration Provision shall be governed by 
federal law, including the Federal Arbitration Act, and by Ohio law,  without regard 
to its internal conflict of law principles, to the extent such state law does not conflict 
with  federal law or  this Arbitration  Provision. This  Arbitration Provision shall not 
apply  to  a  party  who  is  a  covered  borrower  under  the  Military  Lending  Act.  
Notwithstanding any language of this Agreement to the contrary, should any portion 
of this Arbitration Provision be held  invalid or unenforceable by a court or  other 
this  entire  Arbitration  Provision  shall  be 
body  of  competent  jurisdiction, 
automatically terminated and all other provisions of this Agreement shall remain in 
full force and effect. 

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). For a verbal transcript of this disclosure, please call 1-877-292-1682. 

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, call or write to us.   

In your letter or call, 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. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 
1.  Within 30 days of receiving your letter or call, 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 or call, we must either correct the error or 
explain to you why we believe the bill is correct.  While we investigate whether or 
not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent 

• 

on that amount. 
The charge in question may remain on your statement, and we may continue 
to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for 

the remainder of your balance. 

•  We can apply any unpaid amount against your Credit limit. 

• 

After We Finish Our Investigation, One of Two Things Will Happen: 
• 

If we made a mistake, you will not have to pay the amount in question or any interest 
or other fees related to that amount. 
If we do not believe there was a mistake, you will have to pay the amount in question, 
along with applicable interest and fees.  We will send you a statement of the amount 
you owe and the date payment is due.  We may then report you as delinquent if you 
do not pay the amount we think you owe.  If you receive our explanation but still 
believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay.  If you do so, we cannot report you as delinquent without also reporting 
that you are questioning your bill.  We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases:  
If you are dissatisfied with the goods or services that you have purchased with your Card, 
and you have tried in good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the purchase.  To use this right, all of the 
following must be true: 
1. 

The purchase must have been made in your home state or within 100 miles of your 
current mailing address, and the purchase price must have been more than $50. 
(Note:  Neither  of  these  are  necessary  if  your  purchase was  based  on  an 
advertisement we mailed to you, or if we own the company that sold you the goods 
or services.) 
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. 

2. 

3. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing.  

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. 

 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES 
MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS. 

06_USB_LINE_OF_CREDIT