F03-Y754 -7 
Introduction  
YOUR CARDHOLDER  AGREEMENT  
This document,  together  with your Rates  and Fees Table,  and any amendments  make  up the 
contract  between  you, the cardmember,  and Citizens  Bank,  N.A. Any special  offers  related  
to your Account  are subject  to this Agreement,  unless  explained  otherwise.  We will refer 
to this document  as your �Agreement.�  THIS  AGREEMENT  CONTAINS  AN ARBITRATION 
PROVISION  INCLUDING  A NOTICE  REGARDING  THE RIGHT  TO OPT OUT. 
ACCEPTANCE OF YOUR AGREEMENT  
Your use of the Account  or any payment  on the Account  indicates  your acceptance  of the 
terms of this Agreement.  
Any Cards  or checks  issued  to you belong  to us. You agree  to sign each Card before  you 
use it. You agree  to return  your Cards  and checks  to us at any time, if we ask you. When  you 
present  your Card,  we, a merchant,  or any other  party  acting  on our behalf  can retain  your 
Card,  without  prior notice  to you. 
CHANGES TO YOUR AGREEMENT  
We may change  the terms  of this Agreement,  including  but not limited  to Annual  Percentage 
Rate (APR)  and fees,  from time to time.  We may   also   add new   terms,  delete   terms,  or 
change  any benefit,  service,  or feature  on your Account.  We may do this in response  to the 
business,  legal or competitive  environment.  Our ability  to make  changes  to this Agreement  is 
limited  by applicable  law. If required  by applicable  law, we will provide  notice  of the change 
to you before  the effective  date of the change.  We will tell you in the notice  if you have the 
right to reject  the change.  
PROMISE TO PAY  
We have agreed  to lend you money  as described  in this Agreement,  and you agree  to pay 
us back together  with interest  charges  and fees. This promise  includes  paying  for charges 
you make  (even  if you do not present  your Card or sign the transaction),  charges  that other 
people  make  if you let them use your Account,  and charges  that additional  authorized  users 
make  or permit  others  to make.  
REWARDS  
Your Account  might  provide  you with the opportunity  to earn rewards.  If it does,  we will 
separately  provide  you with a Reward  Guide  containing  information  and terms  about  your 
rewards.  
WORDS USED IN THIS AGREEMENT  
�Account� means the relationship established between you and us in this Agreement.  
�Card�  means  any one or more  credit  cards  that we issue  to you or someone  else with your 
authorization under this  Agreement.  
�We,�  �our� and �us� mean  Citizens  Bank,  N.A.,  the issuer  of your credit  Card and the 
creditor  under  this Agreement,  or any subsequent  holder  of this Agreement.  CREDIT CARD  AGREEMENT   �You� and �your� mean anyone who  
� applied for the Account (the �primary  cardmember�),  
� uses or maintains  the Account,  or 
� otherwise  agrees  to pay for the Account  or be obligated  under 
this Agreement.  
Using your account  
AUTHORIZED USERS  
If you ask us to issue  a Card on this Account  to another  person  or if you allow  any person 
to use your Account,  he or she is an authorized  user. You are responsible  for any use of 
your Account  by an authorized  user. Your Account  does not permit  you to limit the nature 
or amount  of authority  you give to any authorized  user and you will not attempt  to do so. An 
authorized  user�s  authority  will continue  until you (i) notify  us that you are terminating  the 
authority  and (ii) you physically  retrieve  any Card,  checks  and any other  means  of access  to 
your Card.  Otherwise,  you will remain  liable  for any transactions  that we cannot  prevent.  
Each  authorized  user�s  privilege  ends automatically  upon  the death  of all of the primary 
cardmembers.  If any person  uses the Card after the privilege  ends,  such use indicates  his 
or her agreement  to pay us, and we may, at our discretion,  pursue  the person  for payment 
of any balance  or charge  resulting  from his or her use of the Card.  You agree  to notify  each 
authorized  user that he or she is subject  to the terms  of this Agreement.  
YOUR CREDIT LIMIT  
We assign  a total credit  limit to your Account  that we agree  to extend  to you at any one time. 
The total credit  limit will include  a separate  limit for cash advances.  This information  will be 
shown on your Account  statement.  
Your available  credit  will be the amount  of your total credit  limit, 
minus  the sum of: 
(i) the new balance,  (ii) any purchases,  balance  transfers  or cash advances  which  have been 
authorized  but not yet posted  to your Account,  and (iii) the amount  of any payments  that 
have not yet cleared.  We may change  the amount  of your total credit  limit and the cash 
advance  limit without  prior notice  to you. 
You agree  not to exceed  any part of your total credit  limit. Even  if we permit  transactions  that 
exceed  any part of your total credit  limit, you are responsible  for those  transactions.  If we 
refuse  any such transaction,  we may advise  the person  attempting  the transaction  that it has 
been refused  and we are not responsible  or liable  for taking  such action.  
PURCHASES  
You can use your Card to buy or lease  goods  or services.  Each  of these  transactions  is a 
purchase.  In addition,  any credit  life insurance  charges,  payment  protection  plan charges, 
Account  fees set forth below,  and other  fees that are charged  to your Account  (except  cash 
advance  transaction  fees) are treated  as purchases  and will be subject  to the interest  rate for 
purchases.  
BALANCE TRANSFERS  
We may, at our sole option,  allow  you to pay an amount  you owe on an account  you have 
with other  creditors.  This is called  a balance  transfer.  We may pay the balance  transfer 
amounts  you have authorized  up to your total credit  limit, unless  otherwise  limited  by the 
terms  of the balance  transfer.  Balance  transfers  may not be used to make  payments  on 
accounts  issued  or held by us or our affiliates.  
When  you make  a balance  transfer,  we will charge  interest  beginning  on the transaction  date, 
as described  in more  detail  in the section  Annual  Percentage  Rate and Interest.  We will also 
charge  you a transaction  fee as described  in your Rates  and Fees Table.  The transaction  fee 
will accrue  interest  at the APR for purchases.  Balance  transfers and balance  transfer  
transaction  fees may also be subject  to promotional,  special  or additional  terms.  Such  terms   will be included  as part of your Agreement.  
CASH ADVANCES  
A Cash Advance means the use of your Account for a loan in the following ways:  
1) Obtaining  cash from a financial  institution  or an ATM:  
You can use your Card to obtain  cash advances  from any financial  institution  that accepts 
your Card and processes  the transaction.  The minimum  amount  of any cash advance  you 
can obtain  from a financial  institution  in one day is $20 and the maximum  amount  is $3,000 
or the available  amount  of your cash advance  limit, whichever  is less. 
You can also use your Card and personal  identification  number  (PIN)  to get a cash advance 
from any automated  teller machine  (ATM)  that accepts  your Card.  The total amount  of cash 
advances  you can obtain  from ATMs  in one day is $500  or the available  amount  of your 
cash advance  limit, whichever  is less. We or the operators  of ATMs  may place  additional 
limitations  and requirements  on cash advances  you may obtain  from ATMs.  
Authorization  for cash advances  over a certain  dollar  amount  or number  may be refused 
under  certain  circumstances  even though  you have available  cash.  These  restrictions  may be 
for security  or other  reasons,  such as the ATM or other  electronic  authorization  system  not 
working  properly.  
2) Convenience  Checks:  
A convenience  check  is any check  we provide  to you for accessing  your account  to obtain 
credit.  A convenience  check  transaction  is a cash advance.  Convenience  checks  may not be 
used to make  payment  on any account  issued  or held by us or our affiliates.  Convenience 
checks  may be subject  to promotional,  special  or additional  terms,  which  are included  as 
part of your Agreement.  
We may pay the amount  you have  authorized  up to your available  credit  limit, unless 
otherwise  changed  by the terms  of the offer. We reserve  the right to put conditions  on the 
use of these  checks  and to reject,  decline  and return  unpaid  any check  at our discretion.  If 
we decline  a check,  you may have to pay returned  check  fees or other penalties  to whomever 
you wrote  the check.  If you ask us to stop payment  on a check,  you will be charged  a stop 
payment  fee. If you transfer  a balance  using  a convenience  check,  that transaction  will be 
treated  like any other convenience  check  transaction,  unless  we tell you otherwise.  We 
do not certify  or return  these  checks.  Convenience  checks  may include  an expiration  date 
printed  on the check.  We will honor  checks  received  for payment  before  the expiration  date 
printed  on the check,  provided  your account  is open  and in good  standing,  with available 
credit.  
3) Purchasing  a Cash  Equivalent:  
You may use your Card to enter into a cash equivalent  transaction.  This includes  purchasing 
travelers  checks,  savings  bonds,  foreign  currency,  money  orders,  wire transfers,  lottery 
tickets,  gift cards,  gambling  chips  or wagers,  or similar  products  or services  as determined 
by us. 
When  you obtain  a cash advance  we will charge  interest  beginning  on the transaction  date, 
as described  in more  detail  in the section  Annual  Percentage  Rate and Interest.  We will also 
charge  you a transaction  fee as described  in your Rates  and Fees Table.  The transaction  fee 
will accrue  interest  at the APR for cash advances.  
FOREIGN TRANSACTION /CURRENCY CONVERSION  
If a foreign  transaction  fee applies  to your Account,  we will charge  you a fee for transactions 
that are conducted  in a currency  other  than U.S. Dollars.  This includes,  for example,  online 
or phone  purchases  where  the transaction  is conducted  in a currency  other  than U.S.  Dollars.  This fee is calculated  on the U.S. Dollar  amount  of the transaction.  The transaction 
fee is an interest  charge  that will accrue  interest  at the APR for purchases.  
Our network providers (e.g., Mastercard) convert transactions in foreign currencies into  
U.S. dollars.  The type of card you have determines  who does the conversion.  Each  network 
provider  follows  its own procedures,  which  it may change  from time to time without  notice 
to you at its discretion.  
The exchange  rate will be determined  using  either  the range  of rates  available  in the 
wholesale  currency  markets  for the processing  date or a government - mandated  rate in 
effect  on that date.  The exchange  rate used by our network  providers  may differ from the 
rate on the date of your transaction.  You agree  to accept  and pay the U.S. Dollar  amount 
converted  from a foreign  currency  as provided  in this section.  We will deduct  the applicable 
fees from this amount.  This means  that the amount  of the credit  may be different  from the 
amount  that was originally  charged  to your Account  for the transaction.  
ALLOWED USE  
You agree  to use your Account  only for lawful  purposes.  You agree  not to make  or allow  to 
be made  any transactions  which  are illegal  under  any state or federal  law. We may decline  to 
approve  any transaction  which  we reasonably  believe  is illegal  under  any state or federal  law. 
Your billing statement and making payments  
BILLING STATEMENTS  
We will send you a billing  statement  each month  that you have a credit  or debit balance  of 
more  than $1, when  an interest  charge  has been  imposed,  or when  there  has been  activity 
in your Account, unless we deem your Account uncollectible or delinquency collection 
proceedings  have been instituted  against  you. In our discretion,  we may choose  to send you 
a statement  even if you do not have a credit  or debit of $1 or more.  
Your statement  will show  the total amount  that you owe us as of the end of the last billing 
cycle.  It will also show  the minimum  payment  you must make  to us by the stated  due date. 
NOTIFYING US IF YOU FIND A MISTAKE  
Unless  you notify  us in writing  within  60 days of receipt,  your billing  statement  will be 
deemed  to be correct.  
HOW TO MAKE A PAYMENT  
Payments  may be mailed  to the address  shown  on your billing  statement.  Payments 
made  by mail must  be accompanied  by the return  portion  of your statement.  Payments 
must  be made  in U.S. Dollars  drawn  on a federally -insured  depository  institution  located 
in the U.S. You authorize us to collect any payment check either electronically or by 
draft.  
In addition  to accepting  payments  by mail, we may permit  you to make  payments  by 
electronic  means,  including  by telephone  or Internet,  subject  to any terms  we may 
impose  on these  alternative  methods  of payment,  including  charging  an expedited 
service  fee of which  we will inform  you at that time.  Also,  we may permit  you to make 
payments  in person  at one of our branches.  
HOW WE CREDIT PAYMENTS  
Payments  received  at the address  shown  on your billing  statement  before  5:00 P.M. Eastern 
Time  will be credited  by us for that day. Payments  received  after this time will be credited 
for the next business  day. If your payment  due date is on a day on which  we do not receive 
mailed  payments,  a mailed  payment  received  on the next business  day will not be treated 
as late.  If you do not use one of the ways  to make  payments  stated  in this Agreement,  the return 
portion  of your statement  is damaged  and we are unable  to identify  your Account,  or you 
do not comply  with the payment  requirements  stated  on your statement,  crediting  of your 
payments  may be delayed  up to 5 days or your payment  may be rejected.  
If a payment  is received  in person  at one of our branches  before  the actual  time of closing 
of the branch  at which  the payment  is made,  it will be credited  by us for that day. 
MINIMUM PAYMENT  
You must pay at least the minimum  payment  due by the payment  due date.  You may pay 
the entire  amount  you owe us at any time. The minimum  payment  due and payment  due 
date are shown  on each billing  statement.  You also agree  to pay amounts  in excess  of your 
credit  limit when  billed  to your monthly  statements  or sooner  if we ask. If you do not pay 
the minimum  payment  by the due date, we may charge  you a late payment  fee. 
HOW WE CALCULATE THE MINIMUM PAYMENT  
If your new balance  is $30 or less, your minimum  payment  will be the new balance. 
Otherwise,  it will be the greater  of (i) $30; or (ii) equal  to the total billed  Interest  charges 
(excluding  transaction  fees for balance  transfers,  cash advances,  foreign  transactions,  and 
cash equivalents),  and any billed  late payment  fees and 1% of the new balance.  
Any amount  past due and any amount  over your total credit  limit or cash advance  limit 
may be added  to the minimum  payment.  Your minimum  payment,  exclusive  of interest 
charges,  will be rounded  to the nearest  whole  dollar.  We may change  your minimum 
amount  due including  increasing  your minimum  amount  due subject  to applicable  law. 
If you exercise  your right to cancel  contained  in a change -in-terms  notification,  we 
may increase  your minimum  amount  due. We may require  (i) a method  in which  the 
minimum  periodic  payment  includes  a percentage  of the outstanding  balance  that is 
twice  the percentage  required  before  the increase  or (ii) a method  which  incorporates  an 
amortization  period  of not less than 5 years.  We may also choose  a method  that is no less 
beneficial  to you than the other  two methods  previously  described.  
HOW PAYMENTS ARE  APPLIED  
Payments  less than or equal  to the minimum  amount  due will be applied  in any order 
that we shall from time to time choose.  Generally,  payments  less than or equal  to the 
minimum  amount  due are applied  to introductory,  promotional  or low rate balances 
before we apply payments to balances that are subject to standard or higher rates, 
regardless of when the transaction is made. Any amount of your payments that is 
greater  than the minimum  amount  due will be applied  first to balances  with the highest 
APR,  and then to each  successive  balance  with the next highest  APR,  until the payment 
is exhausted.  
RESTRICTIVE ENDORSEMENTS  
Any conditional  check,  money  order  or any other  instrument  tendered  with a restrictive 
endorsement  or as a full satisfaction  of a disputed  debt must be sent to our address  for 
billing  error notices  shown  on each statement  and must conspicuously  state on the face of 
that payment  or in an accompanying  letter that it is tendered  for this purpose.  If you make 
payment  in any other  way and we accept  it, we will not have waived  our right to collect  any 
amount from you owed under this  Agreement.  
Annual percentage rate and interest  
ABOUT YOUR ANNUAL PERCENTAGE RATES  
The APR or �annual  percentage  rate� is an annualized  interest  rate. Different  APRs  apply 
to different  balances  (called  transaction  types)  on your Account,  such as the balances  on 
purchases,  balance  transfers  and cash advances.   Your APRs  may be either  fixed or variable.  Your Rates  and Fees Table  and your statement 
disclose  whether  you have fixed or variable  rates.  If an APR is variable,  it may vary monthly 
as the Index  rate changes  and will be reset  on the first day of each billing  cycle.  The Index 
rate is described  in your Rates  and Fees table.  If the Index  increases,  the variable  APRs  will 
increase.  Any increase  in your APRs  will apply  to all unpaid  purchases,  balance  transfers 
and cash advances  (regardless  of the transaction  date),  will increase  the interest  charge 
and may increase  the minimum  payment.  
HOW WE CALCULATE INTEREST  
In General.  We calculate  the interest  charge  separately  for each transaction  type 
(purchases,  balance  transfers,  and cash advances)  as well as for any applicable 
promotional  rate. This means  that your Account  may have separate  balances  for each 
transaction  type. The total interest  charged  for a billing  cycle  is the sum of the interest 
charged  for each balance.  
We use the average  daily balance  (including  new purchases)  method,  which  means 
we calculate  a daily balance  for each type of transaction  and use the daily balances  to 
determine your interest charges. According to this method, we calculate the interest charge 
for each balance by  
� applying  the �daily  periodic  rate� to the �average  daily balance�  and 
� multiplying  the result  by the number  of days in the billing  cycle.  
WE CALCULATE ITS COMPONENTS IN THE FOLLOWING WAY:  
The �daily  periodic  rate� is a daily interest  rate. The daily periodic  rate for each transaction 
type is equal  to the APR for that transaction  type divided  by 365. 
To get the �average  daily balance�  for each transaction  type we add up the daily balances 
and then divide  the result  by the total number  of days in the billing  cycle.  If any day�s  daily 
balance  is a credit  balance,  we will treat it as a balance  equal  to $0.00.  
We calculate the �daily balance� by  
� taking  the �beginning  balance�  of the day, 
� adding  any new charges  and applicable  fees, 
� except  for the first day of the billing  cycle,  adding  the amount  of any interest  equal  to the 
prior day�s daily balance  multiplied  by the daily periodic  interest  rate, and 
� subtracting  any payments  or credits.  
The �beginning  balance�  for the first day of the billing  cycle  is generally  the ending  balance 
for the prior billing  cycle,  including  unpaid  interest.  For the rest of the billing  cycle,  the 
beginning  balance  is the prior day�s  daily balance.  
The addition  of the prior day�s  interest  to the daily balance  calculation  causes  interest 
to compound  daily.  We may, at our discretion,  round  these  amounts,  subject  to any 
restrictions under applicable  law. 
MINIMUM INTEREST CHARGE  
If any interest  charge  is due, we will charge  you at least the minimum  interest  charge 
shown  on your Rates  and Fees Table.  
HOW TO AVOID INTEREST CHARGES  
You can avoid  interest  charges  on purchases  if you pay your entire  balance  by the payment 
due date every  month.  You will not pay interest  for an entire  billing  cycle  (�interest -free 
period�  or �grace  period�)  on new purchases  and fees if you paid the entire  balance  by 
the payment  due date on your previous  billing  statement.  The interest -free period  or grace 
period  is the time when  you are not charged  interest  on new purchases  and fees. We will 
not charge  you interest  on any portion  of a purchase  balance  you repay  while  that balance 
is subject  to an interest -free period.  The payment  due date will be at least 21 days from the 
statement  date.  To maintain  the interest -free period,  you must continue  to pay your entire 
balance  every  month.   You will lose your interest -free period  if, at any time, you pay less than the entire  balance 
shown  on your billing  statement.  If you lose your interest -free period,  the unpaid  balance  for 
purchases  will be charged  interest  beginning  on the transaction  date and will continue  to be 
charged  until payment  in full is credited  to your Account.  The transaction  date for purchases 
is the day you make  the purchase  as shown  on your statement.  
Once  the interest -free period  is lost, you may owe interest  charges  even if you pay the entire 
balance  stated  on your most recent  billing  statement  by the due date.  This occurs  because, 
interest  continues  to accrue  every  day on the balance  shown  on your most recent  statement 
until your payment  in full is credited  to your Account.  The interest  charged  from the date of 
the billing  statement  until the payment  is credited  to your Account  will be included  in your 
next billing  statement.  
There  is no interest -free period  for cash advance  or balance  transfer  transactions.  You will 
pay interest  on cash advance  and balance  transfer  transactions  starting  on the transaction 
date until you pay the entire  amount  in full. The transaction  date for balance  transfers  is the 
day you make  the balance  transfer  as shown  on a statement.  The transaction  date for cash 
advances  and related  cash advance  fees is the day you receive  the cash advance.  
MILITARY LENDING ACT INFORMATION  
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 the Military 
Lending Act Information, call 866-999-6336.  
Default  
YOU ARE IN DEFAULT IF ANY ONE OF THE FOLLOWING EVENTS HAPPEN  
� you fail to make  any payment  when  it is due; 
� you have exceeded  one or more  of your credit  limits;  
� you provide  us false,  misleading,  or fraudulent  information;  
� we become  aware  that you are using  your Card for illegal  or fraudulent  purposes;  
� you fail to comply  with any term of this Agreement  or other  agreements  with us or any of 
our affiliated  banks;  
� you are not paying  your debts  as they become  due or you are bankrupt  or insolvency 
proceedings  are filed against  you; 
� a payment  you made  is rejected  or cannot  be processed;  
� you die or are legally  declared  incompetent  or incapacitated;  or 
� we otherwise  reasonably  believe  that you may be unwilling  or unable  to pay your debts  on 
time. 
OUR RIGHTS IF YOU ARE IN DEFAULT  
We may reduce  your total credit  limit and/or  your cash credit  limit, increase  your minimum 
payment,  close  your Account  or suspend  or terminate  credit  privileges  if you are in default. 
We may, to the extent  permitted  by law, demand  immediate  payment  of the total balance.  
PENALTY APR RATE FOR NEW TRANSACTIONS  
We may apply the penalty APR rate to new transactions if you:  
� Do not pay at least the minimum  payment  due by the payment  due date; 
� Make  a payment  that is returned;  
� Go over your credit  limit; or  � Do any of the above  on another  account  that you have with us. 
Please  refer to your Rates  and Fees Table  to determine  if a penalty  APR rate applies  to your 
Account.  If the penalty  APR rate is triggered,  we will provide  notice  to you as required  by 
applicable  law. This rate may apply  indefinitely.  
PENALTY APR RATE FOR EXISTING BALANCES  
If we do not receive  your minimum  payment  due within  60 days of the due date we may 
apply  the penalty  APR rate to all your existing  balances  and all future  balances.  
Please  refer to your Rates  and Fees  Table  to determine  if a penalty  APR rate applies  to your 
Account.  If the penalty  APR rate is triggered,  we will provide  notice  to you as required  by 
applicable  law. If for 6 consecutive  billing  cycles  following  the cycle  in which  the penalty  APR 
rate is imposed,  you make  all required  minimum  payments  by their payment  due dates,  we 
will reinstate  your APR on purchases,  balance  transfers  and cash advances.  
COLLECTION COSTS  
If you are in default,  we may refer your Account  for collection  or take any other  actions 
permitted  by this Agreement  or applicable  law. If we do, you agree  to pay the reasonable  fees 
and expenses  of our collection  agency  or other  person  collecting  your Account,  as permitted 
by law, including  reasonable  attorneys�  fees and alternative  dispute  resolution  costs.  
NEW  HAMPSHIRE  RESIDENTS : If you prevail  in any action,  suit or proceeding  we bring or 
in an action  you bring in connection  with this Agreement,  reasonable  attorneys�  fees shall 
be awarded  to you. If you successfully  assert  a pertinent  defense,  set off, recoupment  or 
counterclaim  to an action  brought  by us, the court  may withhold  from us the entire  amount 
or such portion  of the attorneys�  fees as the court deems  appropriate.  
WEST  VIRGINIA  RESIDENTS : Reference  to the payment  of attorneys�  fees and court costs  in 
the terms  of this Agreement  is void. 
Account fees  
The following  fees may be assessed  on your Account  (these  are considered  Account  fees). 
If any fee in your Rates  and Fees  Table  is marked  none,  the section  of this Agreement  that 
relates  to that fee does not apply.  Unless  we tell you otherwise,  all Account  fees are treated  
as purchases  (except  that transaction  fees for a cash advance  are treated  as a cash advance).  
CARD REPLACEMENT FEE  
If we replace  a stolen,  lost or damaged  Card,  we may charge  your Account  a Card 
replacement  fee of $10. We may charge  additional  fees for expedited  or overseas  delivery  of 
your replacement  Card.  
COPY FEE  
We may charge  your Account  a copy fee of $5 for each page  of photocopy  of any sales  slip 
or other  record  of your Account  plus $30 per hour for the time it takes  our employees  or 
agents  to make  the copies,  to the extent  permitted  by law. 
STOP PAYMENT FEE  
We may charge  your Account  a stop payment  fee of $29 when  you request  that we stop 
payment  of a check  you have  requested  (including  balance  transfer  checks  and other 
checks  that access  your Account).  You may make  a stop payment  request  by calling  us 
or by writing  to us. We will accept  a stop payment  request  provided  that we receive  the 
stop payment  notice  in a reasonable  time before  we have  accepted,  paid in cash,  made 
final payment  on or otherwise  become  obligated  to pay such check,  except  to the extent 
otherwise  required  by applicable  law. Stop payment  requests  will remain  in effect  for six 
months  unless  renewed  in writing  or by calling  us before  the expiration  of the 6-month 
period.   LATE PAYMENT FEE  
We may charge  your account  a late payment  fee if we do not receive  your minimum 
payment  by the payment  due date. Your late payment  fee is $29 for the first occurrence 
and up to $40 for additional  occurrences  during  the next six billing  cycles.  In no event will 
your late payment  fee exceed  the minimum  payment.  
ANNUAL MEMBERSHIP  FEE 
Please  refer to your Rates  and Fees Table  to determine  if an annual  membership  fee applies  
to your Account  and, if applicable,  the amount  of the fee. 
BALANCE TRANSFER TRANSACTION FEE, CASH ADVANCE TRANSACTION FEE, FOREIGN 
TRANSACTION  FEE 
Please  refer to your Rates  and Fees Table  (or if relevant,  a special  offer)  to determine  the 
amount  of this fee. 
Closing an account  
HOW TO CLOSE YOUR ACCOUNT  
You may close  your Account  by calling  us or writing  to us. If there  are multiple  primary 
cardmembers  on your Account,  any one of you may close  your Account  at any time. We 
may immediately  close  your Account  after we receive  such a request,  without  giving notice  
to other  cardmembers  on your Account.  You agree  that you will not hold us 
responsible  for any costs,  damages  or inconvenience  you suffer  as a result  of the closing of 
your Account  by any cardmember  on your Account.  
WHEN WE MAY CLOSE YOUR ACCOUNT  
Even  if you are not in default,  we may, at any time: (i) reduce  your total credit  limit and/ or 
cash advance  limit; (ii) close  your Account;  (iii) cancel  or suspend  your privileges  to make  
further  purchases  and balance  transfers  or obtain  cash advances;  or (iv) cancel  or suspend  
any Account  privileges  or benefits.  We can also reissue  a different  card to you at any time. 
WHAT YOU MUST DO WHEN YOUR ACCOUNT IS CLOSED  
When your Account is closed, you must contact anyone authorized to charge 
transactions  to your Account,  such as internet  service  providers,  health  clubs  or 
insurance  agencies.  Those  transactions  may continue  to be charged  to your Account 
until you change  the billing.  Also,  if we believe  that you have authorized  a transaction  or 
are attempting  to use your Account  after you have requested  to close  the Account,  we 
may allow  the transaction  to be charged  to your Account  and you will be responsible  for 
payment  under  the terms  of this Agreement.  
WHAT HAPPENS WHEN YOUR ACCOUNT IS CLOSED  
If you close  your Account,  or we close  your Account,  you may not make  any further 
purchases  and balance  transfers  or obtain  cash advances.  If you use your card after 
closing  your Account  and we extend  credit  as a convenience  to you, you remain 
responsible  for paying  those  charges.  If we or you close  your Account,  we may, at our 
option,  require  you to pay the entire  balance  of your Account  at once or permit  you to pay 
the balance  in monthly  payments  as provided  in this Agreement  or otherwise,  as we 
determine.  Other  Account  fees, such as a late payment  fee, will apply  as applicable.  If an 
annual  membership  fee applies  and you close  your Account  after the annual  membership 
fee is billed,  we will remove  the fee from your Account,  provided  your Account  is closed 
within  30 days after we mailed  your statement  on which  the fee was charged  to your 
Account.  You may pay any balance  due on your Account  at any time. 
Other important information  
HOW TO CONTACT US  
Unless  we tell you otherwise,  you can contact  us by phone:  TOLL  FREE  1-800-426-1114 or in 
writing:  Credit  Card Services  � Customer  Service,  P.O. Box 7092,  Bridgeport,  CT 06601. When 
writing, please include your name, address, home phone number, and Account number.  
A telephone call will not preserve your rights under federal law.   CHANGING YOUR BILLING ADDRESS  
We will send statements  and notices  to your last known  address.  You promise  to notify us 
promptly  of any change  in your address  by following  the notification  method  provided in 
the How to Contact  Us section.  If you have more  than one Account,  you need  to notify us 
separately  for each Account.  
MULTIPLE   CARDMEMBERS  
If there  are two or more  cardmembers  obligated  under  this Agreement,  we can send 
statements  and notices  to any one. Any notice  we mail to an address  provided  by any of 
you for the Account  will serve  as notice  to all of you. Each  cardmember  obligated  under 
this Agreement  is jointly  and severally  liable  for all amounts  charged  to the Account 
regardless  of which  cardmember  incurred  the charges  to the Account.  
WE MAY CONTACT YOU  
You authorize  us (and our affiliates,  agents  and contractors)  to contact  you at any 
number  you provide  to us, from which  you call us, or at which  we believe  we can reach 
you, and that we may contact  you for any reason,  including  regarding  any request  you 
make  for a loan or other  product,  to service  or collect  on every  account  you currently 
have  with us or may have  with us in the future  and regarding  any other  products  or 
services  we are providing  to you or which  we provide  to you in the future.  You authorize us 
to contact  you in any manner,  including  by means  of automated  dialing  devices, 
prerecorded  messages,  wireless  push notifications,  or text messages,  even if you are 
charged  for receiving  the communication  and even if you will receive  the communication on 
a mobile  or wireless  device.  You agree  that such calls are not unsolicited  and that 
we may monitor  and/or  record  them.  You also agree  to receive  emails  from us to any 
address  where  we reasonably  believe  that we may contact  you. 
CREDIT INFORMATION  
You agree  that we will obtain  credit  reports  about  you, investigate  your ability  to pay, and 
obtain  information  about  you from other  sources  including  information  to verify  and re -
verify  your employment  and income.  We will use such information  for any purposes, 
subject to applicable law. 
We may report  information  about  your Account  to credit  bureaus.  Negative  credit 
information,  including  late payments,  missed  payments,  or other  defaults  on your 
Account  may be reflected  in your credit  report.  We may report  Account  information in 
your name  and the names  of authorized  users.  If you believe  we have furnished 
inaccurate  or incomplete  information  about  you or your Account  to a credit  reporting 
agency,  write to us at: Disputes,  P.O. Box 7092,  Bridgeport,  CT 06601.  Please  include  
your name, address, home phone number and Account number, and explain what you 
believe is inaccurate or incomplete with supporting information.  
INFORMATION SHARING  
You authorize  us to share  information  about  you and your Account  with affiliates  and third  
parties,  unless  the law or our Privacy  Notice  prohibits  us from doing  so. Please  see our 
Privacy  Notice  for your choices  about  information  sharing.  This includes  information we 
get from you and others.  It also includes  information  about  your transactions  with us. 
ACCOUNT UPDATER FOR THIRD -PARTY STORED INFORMATION, 
INCLUDING PREAUTHORIZED DEBIT (RECURRING PAYMENTS ) 
If you choose  to store  your account  information  with any third parties,  we may also share 
updates  to this information  with these  third parties.  Please  note this only applies  to third parties 
with whom  you elect to share  this information.  If you elect to share  Account  information  with 
a third party,  you are responsible  for any transfer  or payment  that third party makes  from 
your Account,  even if that third party exceeds  your authorization,  and for any other  issues  
that arise with respect  to your Account  and/or  information  contained  in your Account,  by 
virtue  of the fact that you shared your Account  information.  
 
  UNAUTHORIZED USE  
If you notice  the loss or theft of your Card or possible  unauthorized  use of your Card,  you 
should immediately call us TOLL FREE at 1-800-443-0164. You will not be liable for 
any unauthorized  use that occurs  after you notify  us. You may, however,  be liable  for 
unauthorized use that occurs  before  your notice  to us. In any case,  if there  is unauthorized  
use of your Card, your liability  will not exceed  $50. 
IF YOUR ACCOUNT HAS A CREDIT BALANCE  
You may request  a refund  of credit  balances  at any time by writing.  If you don�t request 
a refund,  we will apply  credit  balances  to new transactions  unless  a refund  is required  
by law. If you have a credit  balance  that is less than $1,000  or such other  amount  as 
we may determine,  you may be able to request  a refund  over the telephone.  
EVENTS BEYOND OUR CONTROL  
Except  as otherwise  required  by applicable  law, we are not responsible  and will incur no 
liability  to you for any failure,  error,  malfunction  or any delay  in carrying  out any of our 
obligations  under  this Agreement  if any such failure,  error,  malfunction  or delay  results  
from causes  beyond  our reasonable  control.  
NO LIABILITY FOR REFUSAL TO HONOR  
We are not liable  for any refusal  to honor  your Account.  This can include  a refusal  to 
honor your  Card or Account  or any check  written  on any transaction  on your behalf.  We 
are not liable  for any retention  of your Card by us, any other  financial  institution,  or any 
provider  of goods or services.  
NO RESPONSIBILITY FOR UNAUTHORIZED ACCESS OR INQUIRIES  
We are not responsible  for unauthorized  inquiries  about  your account  or access  to your 
Account  information.  You agree  that so long as we are in compliance  with applicable  law and 
regulation  that we will not be responsible  or liable  for the release  of information  to anyone 
who has gained  access  to your Account  or Account  information.  
GOVERNING LAW  
This Agreement  and use of your Account  are governed  by federal  law. To the extent  that 
federal  law does not govern,  Connecticut  law will apply,  no matter  where  you live or use 
your Account.  We accept  this Agreement  in Connecticut.  Decisions  about  granting  credit  
to you are made  in Connecticut  and all credit  extended  under  this Agreement  is extended  
by us from Connecticut.  
SEPARATION OF INVALID PROVISIONS  
If any part of this Agreement  becomes  invalid  under  applicable  law, the remainder  of 
this Agreement  will remain  valid and in effect.  If your Account  is subject  to a law setting  
maximum  loan rates,  fees or charges  which  is finally  interpreted  so that the charges  on 
your Account  would  exceed  permissible  limits,  then any such charge  will be reduced  
(including retroactively)  to permitted  limits  and any amount  collected  from you exceeding  
those  limits will  be refunded  to you. 
OUR RIGHT TO DELAY ENFORCEMENT  
We can delay  enforcing  any of our rights  under  this Agreement  without  losing  any of them.  
ASSIGNMENT  
We may, at any time and without  notice  to you, sell, assign  or transfer  your Account,  
any amount  due in your Account,  this Agreement  or our rights  and obligations  under  
your Account  or this Agreement  to any person  or entity.  The person  or entity  to whom  
we make any such sale assignment  or transfer  is entitled  to all of our rights  and is 
subject  to all of your obligations  under  this Agreement,  to the extent  sold, assigned  or 
transferred.  
ARBITRATION AGREEMENT  
If you are a Covered  Borrower,  as defined  by the Military  Lending  Act, the arbitration 
provisions  set forth in this section  do not apply  to you. 
This section constitutes the Arbitration Agreement between you and us.   READ THIS SECTION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW 
LEGAL  DISPUTES  BETWEEN  YOU AND US ARE RESOLVED.  If you do not opt out, for a 
dispute  subject  to arbitration,  there  is a waiver  of rights  as discussed  below.  
Arbitration procedures  are simpler  and more  limited  than rules  applicable  in court.  
The decision  of the arbitrator  is generally  final and binding.  
You have  the right to cancel  or opt out of this Arbitration  Agreement  as set forth below.  
SPECIAL DEFINITION OF �WE,� �US� AND �OUR�  
Solely  for purposes  of this Arbitration  Agreement,  the terms  �we,�  �us� and �our,�  in 
addition to the meanings  set forth in this Credit  Card Agreement  (the �Card  Agreement�),  
also refer 
to our employees, officers, directors, parents, controlling persons, subsidiaries, 
affiliates, successors and assigns.  
BINDING ARBITRATION  
If you have a dispute  with us, and we are not able to resolve  the dispute  informally,  
you and we agree  that upon  demand  by either  you or us, the dispute  will be resolved  
through the arbitration  process  as set forth in this part. A �claim�  or �dispute,�  as used 
in this 
Arbitration  Agreement,  is any unresolved  disagreement  between  you and us, arising  from 
or relating  in any way to the Card Agreement  (including  any renewals,  extensions,  
addendums or modifications),  the credit  relationship  between  us, or relating  to any 
reward  program, feature,  or benefit.  It includes  any disagreement  relating  in any way to 
services,  accounts  or any other  matters;  to your use of any of our banking  facilities;  or to 
any means  you may use to access  your account(s).  Any claims  or disputes  arising  from 
or relating  to the advertising of our services,  the application  for, or the approval  or 
establishment  of your Account  are also included.  Claims  are subject  to arbitration,  
regardless  of what theory  they are based  
on, whether  they seek legal or equitable  remedies,  or irrespective  whether  they are 
common law or statutory  (federal  or state)  claims.  Arbitration  applies  to any and all such 
claims  or disputes,  whether  they arose  in the past, may currently  exist,  or may arise in the 
future.  
However,  �claim�  or �dispute�  as used in this Arbitration  Agreement  does not include 
any dispute  or controversy  about  the validity,  enforceability,  coverage  or scope  of this 
Arbitration Agreement or any part thereof (including, without limitation, the �Class  
Action  
and Class  Arbitration  Waiver�  set forth below,  subparts  (1) and (2) of the �Severability  
and Survival�  part set forth below  and/or  this sentence);  all such disputes  or 
controversies  are for a court  and not an arbitrator  to decide;  but disputes  about  the 
validity  or enforceability of this Account  Agreement  as a whole  are for the arbitrator  and 
not a court  to decide.  ANY DISPUTE CONCERNING THE VALIDITY, ENFORCEABILITY, 
COVERAGE OR SCOPE OF THIS  ARBITRATION  AGREEMENT  SHALL  BE RESOLVED  IN 
A RHODE  ISLAND  STATE  OR 
FEDERAL  COURT  OF LAW, AND THE PARTIES  HEREBY  SUBMIT  TO THE JURISDICTION  
OF SUCH  A COURT  FOR SUCH  PURPOSE.  
TRIAL WAIVER  
YOU AGREE THAT YOU AND WE ARE WAIVING THE RIGHT TO A JURY TRIAL AND  
TRIAL  BEFORE  A JUDGE  IN A PUBLIC  COURT  upon demand  by either  party for arbitration. 
However,  you and we retain  the right to pursue  in small  claims  court  (or an equivalent  state 
court)  any dispute  that is within  that court�s  jurisdiction  and advance  only an individual 
claim  for relief.  If either  you or we fail to submit  to binding  arbitration  of an arbitrable 
dispute  following  lawful  demand,  the party so failing  shall bear all costs  and expenses 
incurred  by the other  party  in compelling  arbitration.  
 
  CLASS ACTION AND CLASS ARBITRATION   WAIVER  
NEITHER  YOU NOR WE SHALL  BE ENTITLED  TO JOIN OR CONSOLIDATE  DISPUTES 
BY OR AGAINST  OTHERS  IN ANY COURT  ACTION  OR ARBITRATION,  OR TO INCLUDE 
IN ANY COURT  ACTION  OR ARBITRATION  ANY DISPUTE  AS A REPRESENTATIVE  OR 
MEMBER  OF A CLASS,  OR TO ACT IN ANY ARBITRATION  IN THE INTEREST  OF THE 
GENERAL  PUBLIC  OR IN A PRIVATE  ATTORNEY  GENERAL  CAPACITY,  UNLESS  THOSE  
PERSONS  ARE JOINT  ACCOUNT  BORROWERS  OR BENEFICIARIES  ON YOUR  ACCOUNT.  
This is so whether or not the claim has been assigned.  
ARBITRATION PROCEDURES  
You or we may submit  a dispute  to binding  arbitration  at any time, regardless  of whether  a 
lawsuit  or other  proceeding  has been previously  commenced.  
Each  arbitration,  including  the selection  of the arbitrator(s)  shall be administered  by the 
American  Arbitration  Association  (AAA),  or JAMS  according  to such forum�s  rules and 
procedures.  You may obtain  a copy of the arbitration  rules for these  forums,  as well as 
additional information about initiating arbitration by contacting these arbitration  forums:  
American Arbitration Association  
1-800-778-7879 (toll -free) | website: www.adr.org  
JAMS  
1-800-352-5267 (toll -free) | website: www.jamsadr.com  
In the event  that JAMS  or the AAA is unable  to handle  the dispute  for any reason,  then 
the matter  shall be arbitrated  instead  by a neutral  arbitrator  selected  by agreement  of the 
parties  pursuant  to the AAA rules of procedure;  or, if the parties  cannot  agree,  selected  by 
a court in accordance  with the Federal  Arbitration  Act (Title 9 of the United  States  Code)  
(�FAA�).  To the extent  that there  is any variance  between  the selected  forum�s  rules and this 
Arbitration Agreement, this Arbitration Agreement shall  control.  
If you initiate  the arbitration,  you must  notify  us in writing  at Credit  Card  Services  � 
Arbitration,  P.O. Box 7092,  Bridgeport,  CT 06601.  If we initiate  the arbitration,  we will notify 
you in writing  at your last known  address  in our file. 
The arbitration  shall take place  in the federal  judicial  district  in which  you reside,  unless  the 
parties  agree  to a different  location  in writing.  Arbitrators  must be members  of the state bar 
where  the arbitration  is held, with expertise  in the substantive  laws applicable  to the subject 
matter  of the dispute.  No arbitrator  or other  party  to an arbitration  proceeding  may disclose 
the existence,  content  or results  thereof,  except  for disclosures  of information  by a party 
required  in the ordinary  course  of its business  or by applicable  law or regulation.  
The arbitrator  will follow  applicable  substantive  law to the extent  consistent  with the FAA. 
The arbitrator  will give effect  to the applicable  statutes  of limitation  and will dismiss  barred 
claims.  In addition,  you or we may submit  a written  request  to the arbitrator  to expand  
the scope  of discovery  normally  allowable.  At the timely  request  of either  you or us, the 
arbitrator  must provide  a brief written  explanation  of the basis  for the award.  A judgment 
on the award  may be entered  by any court having  jurisdiction.  
You and we agree that in our relationship arising from this Card Agreement:  
(1) the parties  are participating  in transactions  involving  interstate  commerce;  and 
(2) this Arbitration  Agreement  and any resulting  arbitration  are governed  by the provisions  
of the FAA, and, to the extent  any provision  of that act is inapplicable  or unenforceable,  the 
laws of the state that govern  the relationship  between  you and us. 
No arbitrator  shall have authority  to entertain  any dispute  on behalf  of a person  who is not 
a named  party,  nor shall any arbitrator  have authority  to make  any award  for the benefit  of, 
or against,  any person  who is not a named  party.  
 
 
  ARBITRATION COSTS  
The party  initiating  the arbitration  (or appeal  of the first arbitration  award)  shall pay the 
initial  filing fee. If you file the arbitration  and an award  is rendered  in your favor,  we will 
reimburse  you for your filing fee. If there  is a hearing,  we will pay the fees and costs  for 
the first day of that hearing.  All other  fees and costs  will be allocated  in accordance  with 
the rules of the arbitration  forum.  However,  we will advance  or reimburse  filing and other 
fees if the arbitrator  rules that you cannot  afford  to pay them  or finds  other  good  cause 
for requiring  us to do so; or if you ask us in writing  and we determine  in good  faith there 
is justifiable  reason  for doing  so. Each  party shall bear the expense  of their respective 
attorneys,  experts,  and witnesses  and other  expenses,  regardless  of who prevails,  but the 
arbitrator  will have the authority  to award  attorneys  and expert  witness  fees and costs  to 
the extent  permitted  by either  the Card Agreement,  the forum�s  rules or applicable  law. 
ARBITRATION AWARD AND  APPEAL  
The arbitrator�s  award  shall be final and binding  on all parties,  except  for any right of appeal 
provided  by the FAA. However,  any party can, within  30 days after the entry  of the award  
by the arbitrator,  appeal  the award  to a three -arbitrator  panel  administered  by the forum. 
The panel  shall reconsider  anew  all factual  and legal issues,  following  the same  rules of 
procedure  and decide  by majority  vote. Reference  in this Arbitration  Agreement  to �the 
arbitrator�  shall mean  the panel  if an appeal  of the arbitrator�s  decision  has been  taken. 
The costs  of such an appeal  will be borne  in accordance  with the above  paragraph  entitled 
�Arbitration  Costs.�  Any final decision  of the appeal  panel  is subject  to judicial  review  only 
as provided  under  the FAA. 
SEVERABILITY AND  SURVIVAL  
If any part of this Arbitration  Agreement  is deemed  or found  to be unenforceable  for any 
reason,  the remainder  shall be enforceable,  except  that: 
1. The parties  acknowledge  that the Class  Action  and Class  Arbitration  Waiver  is material 
and essential  to the arbitration  of any disputes  between  them  and is non-severable 
from this Arbitration  Agreement.  If the Class  Action  and Class  Arbitration  Waiver  is 
limited,  voided  or found  unenforceable,  then this Arbitration  Agreement  (except  for this 
sentence)  shall be null and void with respect  to such proceeding,  subject  to the right 
to appeal  the limitation  or invalidation  of the Class  Action  and Class  Arbitration  Waiver. 
The parties  acknowledge  and agree  that under  no circumstances  will a class  action  be 
arbitrated;  and 
2. if a claim  is brought  under  California  law seeking  public  injunctive  relief and a court 
determines  that the restrictions  in the Class  Action  and Class  Arbitration  Waiver  or 
elsewhere in this Arbitration Agreement prohibiting the arbitrator from awarding 
relief on behalf  of third parties  are unenforceable  with respect  to such claim  (and that 
determination  becomes  final after all appeals  have been exhausted),  the claim  for public 
injunctive  relief will be determined  in court  and any individual  claims  seeking  monetary 
relief will be arbitrated.  In such a case the parties  will request  that the court  stay the 
claim  for public  injunctive  relief until the arbitration  award  pertaining  to individual  
relief has been  entered  in court.  In no event  will a claim  for public  injunctive  relief be 
arbitrated.  
This Arbitration  Agreement  shall survive  the closing  of your Account  and the termination  or 
modification  of any relationship  between  us. 
NOTICE AND CURE  
Prior to initiating  an arbitration,  you may give us a written  Claim  Notice  describing  the 
basis of your claim  and the amount  you would  accept  in resolution  of the Claim,  and a 
reasonable opportunity,  not less than thirty (30) days,  to resolve  the claim.  Such  a Claim  
Notice  must be sent to us by certified  mail, return  receipt  requested,  at Credit  Card 
Services  � Arbitration,  
P.O. Box 7092,  Bridgeport,  CT 06601.  This is the sole and only method  by which  you can 
submit  a Claim  Notice.  You should  address  all claims  you have in a single  Claim  Notice  
and/ or a single  arbitration.   COLLECTION COSTS  
Except  where  prohibited  by law, if we take court  action  or commence  an arbitration 
proceeding  against  you for collection  after you default,  or if you elect arbitration  of a 
collection  action  we have brought  against  you in court,  you will also be liable  for court  or 
arbitration  costs,  other  charges  or fees, and reasonable  attorneys�  fees, should  we prevail  in 
such court  action  or arbitration.  
RIGHTS PRESERVED  
This Arbitration  Agreement  does not prohibit  you or us from exercising  any lawful  rights 
or using  other  available  remedies  to preserve,  or obtain  possession  of property;  
exercise self-help remedies, including setoff rights; or obtain provisional or ancillary 
remedies such as injunctive  relief,  attachment,  garnishment  or the appointment  of a 
receiver  by a court  of competent  jurisdiction.  
RIGHT TO CANCEL OR OPT OUT OF THIS ARBITRATIO N AGREEMENT  
You may opt out of this Arbitration  Agreement  to resolve  any claim  or dispute  by 
arbitration. To opt out of this Arbitration  Agreement,  you must send us written  notice  of 
your decision within  forty-five (45) days of the opening  of your Account  or of receiving  
the Arbitration Agreement  for the first time. Such  notice  must clearly  state that you wish 
to cancel  or opt out of the Arbitration  Agreement  section  of this Card Agreement.  It 
should  include  your name,  address,  Account  name,  Account  number  and your signature  
and must be mailed  to Credit  Card Services  � Arbitration,  P.O. Box 7092,  Bridgeport,  CT 
06601.  This is the sole and only method  by which  you can opt out of this Arbitration  
Agreement.  Your exercise  of the right  to opt-out will not affect  any remaining  terms  of this 
Card Agreement  and will not result in any adverse  consequence  to you or your Account.  
You agree  that our business  records will  be final and conclusive  evidence  with respect  to 
whether  you cancelled  or opted  out of this Arbitration  Agreement  in a timely  and proper  
fashion.  
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 Credit  Card Services  
� Disputes,  P.O. Box 7092,  Bridgeport,  CT 06601 -3211.  
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 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 
credit card  and you have tried in good  faith to correct  the problem  with the merchant,  
you may have the right to not 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.)  
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 credit  card 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: Credit  Card Services  � Disputes,  P.O. Box 7092, Bridgeport , CT 06601 -
3211.  
While  we investigate,  the same  rules apply  to the disputed  amount  as discussed  above.  
After we finish  our investigation,  we will tell you of our decision.  At that point,  if we think 
you owe an amount  and you do not pay, we may report  you as delinquent.  
� Citizens  Bank,  N.A. 2020  Rev 1/21 
1353703_CD20_MasterAgreementUpdatesSafeHarbor  CHA 1/21  Rates and Fees Table  
 
Interest Rates and Interest Charges  
Annual Percentage  
Rate (APR) for Purchases  13.99% to 23.99%. This APR will be based on your creditworthiness and  
will vary with the market based on the Prime Rate.*  
Introductory APRs with varying durations may be available on some accounts.  
 
APR for Balance 
Transfers   
13.99% to 23.99%. This APR will be based on your creditworthiness and will 
vary with the market based on the Prime Rate.*  
Introductory APRs with varying durations may be available on some accounts.  
 
APR for Cash Advances   
24.99% . 
This APR will vary with the market based on the Prime Rate.*  
 
Penalty APR and When 
It Applies   
NONE  
 
Paying Interest  Your  due date is at least  21 days  after the close  of each  billing  cycle.  We will not charge 
you interest on Purchases if you pay your entire balance by the due date of each 
month. You will pay interest on Cash Advances, Balance Transfers  and Convenience 
Checks from the transaction  date. 
Minimum Interest Charge  If you are charged interest, charge will be no less than $1.50  
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau  To learn more about factors 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  
Fees  
Annual Fee  NONE  
Transaction Fees  
- Balance Transfer  
 
 
- Cash Advance  
 
 
 
 
- Foreign Transaction   
Either $10 or 4% of the amount of each transfer, whichever is greater.  
 
 
Cash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3%  
of the amount of each advance, whichever is greater.  
 
Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, 
whichever is greater  
 
NONE  
Penalty Fees  
- Late Payment  
- Returned  Payment  
- Over - the-Credit  Limit   
Up to $40 
NONE 
NONE  
 
How we will Calculate your Balance : We will use the method called "average daily balances (including new 
purchases)." See Cardholder Agreement for more details.  
Loss of Introductory APR: We may end your Introductory APR and apply the Purchase APR if you make a la te 
payment.   *How We Will Calculate Your Variable Rates: Your variable rates may change when the Prime Rate changes. Your APR 
for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding  the 
index to a margin of 10.74 -20.74 percentage points. The APR for Cash Advances may vary month ly and will be reset on 
the first date of each billing cycle by adding the index to a margin of 21.74 percentage points. The index is determined 
monthly and it i s the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table 
on the first day of the preceding month rounded up to the nearest one -quarter of a percentage point. If the first day of the 
preceding month is not a  business day, we will use the Prime Rate published on the next business  day. 
 
The information about costs of the card described in this application is accurate as of January 28, 2021. This 
information may have changed after that date. To find out what may have changed, call us toll free at 1 -800-426-1114 
or write to us at Credit Car d Services, P.O. Box 7092, Bridgeport, Connecticut  06601 -7092.    
 
 
 
 
F03-Y012 -2 
This Reward  Guide  governs  the Cash  Back  Plus World  MasterCard�  Rewards 
Program  (the �Program�).  By using  the Cash  Back  Plus credit  card (the �Card�), 
you agree  to the terms  and conditions governing  the Program. The Program 
allows you to receive  Cash  Back  Plus Reward  Points  (�Reward  Points�).  Your 
continued participation  in the Program  is also governed  by the terms  and 
conditions  of your Cardholder Agreement. Cardholder Agreement refers to the 
agreement governing the terms  of your Card  account.  Please  review  this 
document  and keep  it for your reference,  along  with your Cardholder  Agreement.  
�You�  and �your�  mean  the person(s)  who applied  for the Card.  �We,�  �our,�  �us,� 
and �Citizens  Bank�  mean  Citizens  Bank,  N.A. and any of its affiliates.  
Reward Points at a Glance  
Earn  Rewards:  Earn  1.8%  base  Reward  Points  for every  dollar  you spend  on 
eligible  net purchases  with no limits  and no categories,  as long as your account  is 
in good  standing.  A Card  account  is in good  standing  if your Card  is open  and has 
charging  privileges.  
Redeem:  Redeem  Reward  Points  in increments  of 25 for$25  in cash  back.  You 
can redeem  your Reward  Points  online  or by telephone  either  as a direct  deposit  
into a Citizens  Bank  personal  checking,  savings,  or money  market  account  or as a 
credit  to your Cash  Back  Plus credit  card statement  (�Credit  Card  Statement  Credit�).  
Expiration: No expiration as long as your Card  accoun t is in good standing  
and you make  an eligible  Purchase  once  every  12 months.  If you do not make  at 
least  one purchase  once  every  12 months,  Reward  Points  will be forfeited.  
LOOK INSIDE TO LEARN MORE ABOUT:  
Earning  Rewards  ................................ ................................ ...........................  2 
Bonus  Rewards  ................................ ................................ ..............................  3 
Redeeming  Rewards  ................................ ................................ .....................  4 
Expiration,  Suspension,  or Forfeiture  of Rewards  ................................ ..........  5 
Changes  to or Cancellation  of the Program  ................................ ....................  5 
Additional  Information  ................................ ................................ ....................  5 
 
 
 
 
 
 
 
1 CITIZENS BANK CASH BACK PLUS  
WORLD MASTERCARD� REWARD GUIDE - 
PROGRAM TERMS AND CONDITIONS   Earning Rewards  
HOW TO EARN REWARD POINTS:  
� You will earn Reward  Points  of 1.8%  for every  dollar  you spend  on all eligible  net 
purchases  charged  to the Card.  A net purchase  is the amount  of a purchase  
less any credits, returns and adjustments  (�Purchase�).  
� A Purchase  includes  the total amount  of each  sale including  sales  tax and gratuities.  
� Purchases  resulting  in fractions  will be rounded  up to the nearest  whole  cent if 
greater  than 0.005  and rounded  down  if equal  to or less than 0.005.  
� You will begin  earning  Reward  Points  on the date we mail the Card  and the 
Cardholder  Agreement  to you. If you are an existing  creditcard  customer  and 
you are converted  to the Program, you will begin earning Reward Points once  
the request is processed.  
� If  you  previously   had a  credit  card  account   with us, which   was  converted   to 
the Program,  existing  purchase  balances  which  are transferred  to this account  
are not eligible  for the Program.  Only Purchases  made  with your Card  are eligible  
for this reward  Program.  
� Your     Card  account    must  be in good  standing in   order    to  earn R e w a r d    Points. 
An account  is in good  standing  if your Card  is open  and has charging  privileges.  
� From  time to time,  special  promotions  may feature  bonus  Reward  Points,  
details will accompany  the offer.  Additional  restrictions  may apply.  
WHAT IS AN ELIGIBLE PURCHASE:  
� An eligible Purchase  is any lawful purchase to buy or lease  goods or 
services except as limited  below:  
� Balance  transfers  and cash advances,  including  convenience  checks  and 
travelers�  checks,  money  orders  and other  cash equivalents.  
� Account  fees or charges,  returned  check  charges,  interest  charges,  or 
fees related  to plans  offered  by us such as life insurance  or payment  protection  
plans.  
� Fraudulent  purchases  or unauthorized  charges  to your account.  
� Wire transfers  fees. 
� Lottery tickets or gambling  charges.  
� We are not responsible  for any mistakes  made  by a merchant  regarding  a purchase. 
For example, if a merchant incorrectly identifies the  purchase as a  
gambling purchase, we do not have  to provide Reward Points  for that 
purchase.  
� Only eligible  Purchases  qualify  for Reward  Points.  
 
 
 
 
 
 
2  Redeeming Rewards  
WHEN CAN YOU REDEEM YOUR REWARD POINTS:  
� Reward  Points  can only be redeemed  if your account  is in good  standing.  You 
can redeem  Reward  Points  in increments  of 25 for $25 in cash  back.  You can 
redeem as  a direct  deposit  in to your Citizens  Bank  personal  checking,  
savings,  or money market  account  or as a Credit  Card  Statement  Credit.  
� You can visit our website at www.citizensbank.com/creditcard or refer to  
your monthly  credit  card statement  to see how many  Reward  Points  you�ve  
earned.  
HOW YOU CAN REDEEM YOUR REWARD POINTS:  
� You may redeem your Reward Points by submitting a request online at 
www.citizensbank.com/creditcard  or contacting  a customer  service  representative 
by telephone at  1-800-684-2222.  
WHAT ARE THE REDEMPTION METHODS:  
REDEMPTION THROUGH ELECTRONIC DEPOSIT INTO YOUR 
CITIZENS BANK DEPOSIT ACCOUNT:  
� Reward  Points  can be redeemed  as a direct  deposit  into your Citizens  Bank 
personal  checking,  savings  or money  market  account.  You must  be an owner  on 
the account  and the account  must  be in good  standing  and able to accept  
deposits. Reward Points  may not be deposited into passbook and  club 
savings, certificate of deposits or IRA  accounts.  
� If an electronic  transfer  is rejected,  the reward  redemption  will automatically  
be credited  back to your rewards  account.  
REDEMPTION THROUGH CREDIT CARD STATEMENT CREDIT : 
� Reward  Points  can be redeemed  as a Credit  Card Statement  Credit  to the Card  that 
earned  the Reward  Points.  
� Reward  Point  redemptions  may reduce  your account  balance  but cannot  be applied 
toward  any minimum  payments.  You are still responsible  for paying  your minimum 
monthly  payment.  
� If your Card  is closed  upon  your request  or by us before  the Credit  Card  
Statement Credit  posts  to your account,  all Reward  Points  are forfeited  (except  if 
your Card has been  reported as lost or stolen,  subject  to verification).  
WHAT YOU NEED TO KNOW ABOUT REDEMPTION:  
� Reward  Points  are deducted  on the date you request  redemption.  
Redemptions, however,  may not be applied  to your deposit  account  or credit  card 
account  for up to 10 business  days.  
� Returned  purchases,  reversed  transactions,  refunds,  credits  or charge  
backs will reduce  your Reward  Points  by the number  of Reward  Points  you 
previously received  for the Purchase.  You may incur  a negative  Reward  Points  
balance.  We may  offset  a negative  balance  with future  Reward  Points.  
 
 
 
3  � Only the primary  cardholder  may request  to redeem  Reward  Points.  Authorized 
users on the account  may not request  to redeem Reward  Points.  
� Reward  Points  must be redeemed  by an individual.  Corporations,  partnerships  or 
entities  may not redeem  Reward  Points.  
� All Reward  Points  redemptions  are final. 
Expiration, Suspension  or Forfeiture of Reward 
Points  
� There  is no expiration  date on your Reward  Points  as long as your account  is 
in good  standing  and you make  at least  one eligible  Purchase  once  every  
12 months.  If you do not make  at least  one purchase  once  every  12 
months, Reward Points will be  forfeited.  
� If your Card  account  is reinstated  to good  standing  before  the account  is closed, 
you will again  be eligible  to redeem  Rewards  Points.  
� If you voluntarily  close  the Card  or we close  the Card  (for any reason  permitted 
by the Cardholder  Agreement),  all Reward  Points  are immediately  and irrevocably 
forfeited.  
Changes to or Cancellation of the Program  
� We reserve  the right to add, amend  or change  any of the terms,  conditions  or 
restrictions  of the Program  at any time without  prior notice.  
� The Program  may be discontinued  at any time,  but Reward  Points  awarded 
before  the Program  is discontinued  will be honored  for 90 days  after notice  of 
cancellation  of the Program  is given.  If there  are any remaining  Reward  Points 
which  are not redeemed  within  the 90 days  after the notice  of cancellation,  
they will  be forfeited.  
� We may choose  to discontinue  your participation  in the Program  if we find that 
you or someone  else used  your Card  account  in a way that violates the 
Reward Guide  or the terms  and conditions  of your Cardholder  Agreement.  
� The Program  is not scheduled  to end on a predetermined  date. 
Other Important Information  
� You have  no property  rights  or other  legal or equitable  interest  in Reward  
Points earned  as part of the Program.  Reward  Points  have  no cash value  
until they are redeemed.  Unless  specifically  authorized  by us, Reward  Points  
may not be sold, traded,  assigned,  transferred,  or pledged  under  any 
circumstances.  
� Your  exclusive  remedy  for earned  but uncredited  Reward  Points  shall be the 
issuance  of the uncredited  Reward  Points,  if available,  or such other  comparable 
benefit  as determined  by us. If, however,  your Card  account  is closed,  then 
such Reward  Points  or other  comparable  benefit  shall be forfeited.  
 
 
 
 
4  � We reserve  the right to correct  misstated  Reward  Points  represented  on 
statements or the website at our sole discretion.  
� Reward  Points  may be deducted  from your Card  account  should  those  Reward 
Points be the product of a fraudulent or unauthorized  transaction.  
� All Reward  Points  are subject  to verification  and confirmation  by us. All 
decisions regarding  rewards  disputes  shall be final. 
� Discrepancies  about  Reward  Points  are not treated  as credit  card billing  disputes.  
� It is your responsibility  to notify  us of any change  in mailing  address  and email 
address  as soon  as possible.  
� If you voluntarily  close  your Card  account,  or we close  your Card  account,  all 
unused  Reward  Points  are immediately  and irrevocably  forfeited.  
� Unless  specifically  authorized  by us, Reward  Points  may not be combined  with 
other  discounts,  special  rates,  promotions  or other  reward  programs  offered 
by us. 
� All Reward  Points  are non-negotiable  and cannot  be redeemed  for any benefit 
except  those  designated  by us. 
� Your Card  is separate  and distinct  from any other  Citizens  Bank  accounts  you 
may have  with us or our affiliates.  
� You agree  to release Citizens Bank, N.A., and any of its affiliates from all 
liability, including:  
� Any loss, claim,  expense  or damages  you experience  in connection  with 
the Program.  
� Any claims,  expenses  and legal  fees arising  from or related  to any 
violation  of the Program by you or anyone  using  your Card  account.  
� Any typographical  errors  or omissions  in any Program -related  document.  
� Delayed  or lost correspondence  sent by U.S. mail or any other  form of 
delivery, including  email.  
� Any error,  omission,  interruption,  deletion,  defect,  delay  in operation  or 
transmission,  theft,  destruction  or unauthorized  accesso,  or alteration  
of Reward  Points  accrued  and redeemed  or other  Program  activities.  
� We may assign  our rights  and obligations  under  this agreement  to a third party, 
who will then be entitled  to any of our rights  that we assign  to them.  
� The Reward  Guide  and use of your Card  account  are governed  by federal  law. To 
the extent  that federal  law does  not govern,  Connecticut  law will apply,  no 
matter where you live or use your Card  account.  
 
 
 
 
 
 
 
 
 
5  � Reward  Points  may constitute  taxable  income.  You may be issued  an Internal 
Revenue  Service  Form  1099  (or other  appropriate  form)  that reflects  the value 
of earned  Reward  Points,  or some  portion  there  of (or any other  part 
of the Program).  Please  consult  your  tax advisor.  You are responsible  for 
any tax liability  that may arise  from  redeeming  Reward  Points.  Citizens  
Bank,  N.A. does  not provide  tax advice.  
� Any and all disputes  that arise  under  or related  to the Program  will be resolved 
through arbitration as specifically set forth in your Cardholder  Agreement.  
� All Reward  Points  are subject  to verification  and confirmation  by 
us. All decisions  regarding  rewards  disputes  shall  be final.  
� Discrepancies  about  Reward  Points  are not treated  as credit  card billing  
error disputes.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit cards are issued by Citizens Bank, N.A.  
Copyright  2019 Citizens  Financial  Group,  Inc. All rights  reserved.  Citizens  Bank  is a 
brand  name  of Citizens  Bank,  N.A. 
CS#887957_CDAD2108J_CshBckPlusGuide  
 
F03-Y012 -2 
Rev6/19  
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