— IMPORTANT NOTICE — 
STATEMENT OF CREDIT CARD TERMS 
MARATHON REGULAR & PREMIER CARDS/ASHLAND REGULAR CARDS 
As Of 10-01-2010 
RETAIL INSTALLMENT CREDIT AGREEMENT 

CREDIT SALE CONTRACT  
Listed below are the terms governing the Marathon Regular Credit Card Account and the Marathon 
Premier Credit Card Account. Your credit card agreement with Marathon Petroleum Company LP ("MPC") 
for any of the foregoing credit card accounts will be effective when you or an authorized user uses the 
card issued to you or you fail to cancel the card within 30 days after it is issued to you. This document 
together with credit card(s) issued for your account, the terms provided on your account application, and 
sales slips evidencing use of the card constitute your agreement with MPC.  

Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases 

Minimum Interest 
Charge 

How to Avoid Paying 
Interest on 
Purchases  

For Credit Card Tips 
from the Federal 
Reserve Board 

Fees  

Annual Fee 

Penalty Fees  

  Late Fee  
  Returned 
Payment  

5% to 21%.  This APR varies by state.  Please refer to Section 3 for details.  

If you are charged interest, the charge will be no less than $1.00; except in TX, where the 
charge will be no less than $0.75; except in MI, MO, NY, and TN, where the charge will be no 
less than $0.70; and except in AL, AZ, CO, DC, IA, IL, IN, KS, LA, ME, MA, MN, MS, MT, NJ, 
OK, PA, SC, SD, VA, VT, WV, WI, and WY, where the charge will be no less than $0.50.  

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on your account if you pay your entire balance by the due date each month.  

 To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.  

Regular Account - None Premier Account - $0 to $35.  This fee varies by state.   Please refer to 
Section 8 for details.  

$0 to $10.  This fee varies by state.   Please refer to Section 9 for details.  

$0 to $30.  This fee varies by state.   Please refer to Section 10 for details.  

Summary of Account Terms:  
How We Will Calculate Your Balance:  We use a method called "average daily balance (including new 
purchases)" in all states except MA, ME, MN, MS, MT, NE, NM and RI; we use a method called "average 
daily balance (excluding new purchases)" in MA, ME, MN, MS, MT, NE, NM and RI. See Section 4 for 
more details.  

 
  
  
   
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in this Agreement.  

The information about the costs of the card described above is accurate as of April 30, 2010. This 
information may have changed after that date. To find out what may have changed or to obtain a copy of 
the current terms of this Agreement, call us at 1-800-537-9580 or write to us at Marathon Petroleum 
Company LP, Attn: Credit Card Center, 539 South Main Street, Findlay, OH 45840-3229.  

MARATHON REGULAR & PREMIER CARDS  
RETAIL INSTALLMENT CREDIT AGREEMENT TERMS  
In this Marathon Retail Installment Credit Agreement ("Agreement"), the words "you" and "your" refer to 
any person who signs the Application for this Account or this Agreement, has requested and is issued a 
Marathon credit card, or is authorized to use this Marathon Credit Card Account. "We", "us", and "our" 
refer to MPC.  "Account" means your Marathon Credit Card Account, which will be governed by this 
Agreement. "Authorized User" means any person you permit to use your Account or who has apparent 
authority to do so. "Card" means any access device or method by which the Account may be accessed, 
including the Account number.  "New Balance" means the New Balance as provided on your periodic 
statement.  "APR" means Annual Percentage Rate.  "Interest" and "Interest Charges" means the periodic 
finance charges that are calculated pursuant to Section 4.  "Minimum Payment Due" means the minimum 
amount due on purchases eligible for revolving terms.  Revolving credit is not available to government 
or commercial accounts, which must be paid in full on or before the due date shown on your 
periodic statement.  

1.  PAYMENT REQUIREMENTS   

You agree to pay MPC for all purchases made on your Account by you or any person authorized by you. 
Your payment is due on or before the Payment Due Date shown on your periodic statement. All payments 
submitted by mail should be made by check or money order with the account number written on the 
check or money order and should be submitted with the accompanying payment stub.  All payments 
submitted by mail, except for disputed payments, must be mailed to Marathon Petroleum Company LP, 
P.O. Box 740109, Cincinnati, OH 45274-0109. Do not send cash. Payments mailed in accordance with 
these instructions and received by 5:00 pm EST on a business day will be credited to your account that 
day.  Payments not made in accordance with these instructions may delay crediting to your Account.  
Delayed crediting may cause you to incur additional fees and finance charges.  All credits for payments to 
your Account are subject to final payment by the institution on which the item of payment was drawn. 
Expedited payment methods may be subject to fees. The amount of the fee will be disclosed to you at the 
time of payment.  

2.  MINIMUM PAYMENT DUE  

If you have a consumer Account with revolving credit, the Minimum Payment Due must be paid on or 
before the Payment Due Date shown on your periodic statement. Purchases made with your Card, except 
those included in the Minimum Payment Due, are eligible for revolving credit terms. Any unpaid revolving 
balance will be subject to Interest Charges.  You are required to pay for revolving purchases in 
accordance with the following schedule:  

 
   
 
   
Revolving 
Balance  

   Regular Account/Premier Account  

Minimum Payment Due  

$.01 to 10  

Payable in Full  

over $10 to 100  

over $100 to 200  

over $200 to 300  

over $300 to 400  

over $400 to 500  

etc.  

$10  

$20  

$30  

$40  

$50  

etc.  

The Minimum Payment Due shall include:  

            •  the revolving balance minimum payment as calculated above  

            •  mail order merchandise charges  

            •  installments on qualified automotive products/services (Premier Account Only)  

            •  insurance premiums  

            •  unpaid Minimum Payment Due from your previous statement  

            •  returned payment fees  

            •  late payment fees  

            •  interest charges  

            •  annual membership fee (Premier Account Only)  

   
   
   
   
 
 
   
3. YOUR ANNUAL PERCENTAGE RATE  

If Interest Charges are assessed during a billing cycle, we will use the following APR and corresponding 
monthly periodic rate:  

If you reside in the state of:  

We apply the monthly 
periodic rate of:  

Annual Percentage Rate  

Arkansas  

Texas  

Pennsylvania  

Minnesota  

Alabama, Colorado, Florida, 
Louisiana, Maine, Maryland, 
Massachusetts, Mississippi, 
Nebraska, North Carolina, Ohio, 
South Carolina, Vermont,  
Virginia, Wisconsin  

Michigan  

Georgia, Illinois, Indiana, 
Kansas, Kentucky, Oklahoma, 
Tennessee, Wyoming  

All other states  

.42%  

.83%  

1.25%  

1.33%  

5%  

10%  

15%  

16%  

1.5%  

18%  

1.67%  

1.75%  

1.0%  

20%  

21%  

12%  

4.  INTEREST CHARGE CALCULATION  

If MPC has not received payment in full of the New Balance by the Payment Due Date shown on your 
periodic statement, we may assess an Interest Charge applied to the Average Daily Balance. We 
determine the Interest Charge on your Account by applying the periodic rate applicable to your state of 
residence as determined by your billing address to the Average Daily Balance of your Account. For an 
explanation of the calculation method used to determine the Interest Charge on your periodic statement, 
please call us toll free at our customer service number 1-800-537-9580.    

1. To get the Average Daily Balance we take the beginning balance of your Account each day, add any 
new purchases (new purchases are not included in computing the Average Daily Balance in the states of 
MA, ME, MN, MS, MT, NE, NM and RI), insurance premiums, mail order merchandise charges, unpaid 
returned payment fees, previously assessed unpaid Interest Charges and late payment fees and subtract 
any payments or credits. This gives us the daily balance.  Then, we add all the daily balances for the 
billing cycle together and divide by the total number of days in the billing cycle. This gives us the Average 
Daily Balance.  

  
2. If Interest Charges are imposed and the total interest that results from application of the above 
calculation is less than $1.00, we will impose a Minimum Interest Charge of no less than $1.00 (which is a 
FINANCE CHARGE); except in TX, where we will impose a Minimum Interest Charge of $0.75 (which is a 
FINANCE CHARGE); and in MI, MO, NY, and TN, where we will impose a Minimum Interest Charge of 
$0.70 (which is a FINANCE CHARGE); and in AL, AZ, CO, DC, IA, IL, IN, KS, LA, ME, MA, MN, MS, MT, 
NJ, OK, PA, SC, SD, VA, VT, WV, WI, and WY, where we will impose a Minimum Interest Charge of 
$0.50 (which is a FINANCE CHARGE).   

5.  HOW TO AVOID PAYING INTEREST ON PURCHASES  

To avoid Interest Charges, payment of the New Balance must be received by the Payment Due Date 
shown on your periodic statement. Your Payment Due Date is at least 25 days after the close of each 
billing cycle. We will not charge you any Interest on your Account if you pay your entire balance by the 
Payment Due Date each month.  You may at any time pay your total unpaid balance.  

6.  OBTAINING CREDIT INFORMATION  

MPC may investigate your credit history and obtain a consumer credit report from a consumer credit 
reporting agency in connection with your credit application or any subsequent update, renewal, or 
extension of credit. Upon your request, you will be informed whether or not MPC obtained such a report 
and if so the name and address of the agency that furnished the report. You agree that MPC may furnish 
information about your Account to the credit bureau and others who, in MPC's discretion, may receive 
such information.  

7.  DEFAULT, COLLECTION COSTS, REPRINT FEES  

If your Account is not paid according to terms, MPC reserves the right to demand immediate payment of 
the full amount outstanding on your Account, subject to applicable law. If your Account is referred to an 
attorney or collection agency, you agree to pay, in addition to the full amount owed, reasonable attorney's 
fees, court costs, or collector's fees, as allowed by applicable state law.  

MPC reserves the right to assess a reprint fee of up to $2 for administrative costs, each reprint of 
statements and other documents, and for each ticket copy requested. MPC's failure or delay at any time 
to exercise any of its legal rights shall not be deemed a waiver of those rights or of the right to exercise its 
legal rights thereafter.  

8.  ANNUAL FEES  

You will not be charged an annual fee unless you have a Marathon Premier Credit Card Account.  Where 
permissible by law, the annual fee for the Marathon Premier Credit Card Account is $35, except as 
follows:   

If you reside in the state of:  

Annual Fee  

NC  

CA  

MS  

DE, MD, MO, NJ, OR, PA, WA  

$24.00  

$15.00  

$12.00  

None  

9.  LATE FEES  

Where permissible by law, if we do not receive the Minimum Payment Due by the Payment Due Date we 
may impose a late fee of $10, except as listed below:  

If you reside in the state of:  

Late Fees  

MD, OH, RI  

WA  

None  

$2  

AZ, DE, HI, IN, KS, MA, MO, MS, NC, NE, OK, PA, TX, VA, WV   $5  

MN  

$5.20  

10. RETURNED PAYMENT FEES  

Where permissible by law, we may impose a returned payment fee if any check used to pay an amount 
you owe is not honored, as follows:   

If you reside in the state of:  

Returned Payment Fee  

DC, MD, PA, RI, WY  

None  

NE  

AZ, IA, MA, OK  

CA, HI, ID, KY, LA, MO, MS, ND, OH, 
TX, UT, WA, WI, WV  

$5  

$10  

$15  

AL, AR, CO, CT, GA, IN, MN, NJ, NY, 
TN  

$20  

AK, DE, FL, IL, ME, MI, MT, NH, NM, 
NV, NC, OR, SC, VA, VT  

$25  

KS, SD  

$30  

   
   
 
 
 
11.  LIABILITY FOR UNAUTHORIZED CREDIT CARD USE  

Consumer Accounts - If you notice the loss or theft of your credit card or a possible unauthorized use of 
your card, you should write to us immediately at: Marathon Petroleum Company LP, 539 South Main 
Street, Attn: Credit Card Center, Findlay, OH 45840-3229 or call us at 1-800-537-9580. 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 you provide notice to us. In any case, your liability will not exceed 
$50.  Commercial Accounts - If your Account is used primarily for business or commercial purposes and 
you have requested ten (10) or more Cards, you will be liable for any and all unauthorized use of your 
Cards. Should you request and receive fewer than ten (10) cards, your liability will not exceed $50.00 or 
the lesser amount established by applicable state or federal law. You will not be liable for unauthorized 
use that occurs after you notify MPC, orally or in writing, of the loss, theft, or possible unauthorized use.  
If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should 
write to us immediately at: Marathon Petroleum Company LP, 539 South Main Street, Attn: Credit Card 
Center, Findlay, OH 45840-3229 or call us at 1-800-537-9580.  

12.  CANCELLING OR SUSPENDING CREDIT  

MPC can cancel or suspend your Account at any time in accordance with applicable laws. You must 
return the Card on demand.  

13.  CHANGING AND CANCELLING THIS AGREEMENT  

MPC can change the terms of this Agreement at any time by giving you notice of the changes at your 
billing address or as otherwise allowed by law. Retention or authorized use of your Card on or after the 
effective date of the change will establish your agreement to the new terms. If you do not agree to the 
change, you may cancel this Agreement. You may cancel this Agreement at any time by notifying MPC, 
returning all cards issued for your Account and paying your existing debt owed under the terms of this 
Agreement.  

To terminate credit availability under your Account, write: Marathon Petroleum Company LP, Attn: Credit 
Card Center, 539 South Main Street, Findlay, OH 45840-3229, or call toll-free 1-800-537-9580 upon 
receipt of this Agreement.  

14.  USURY AND SEVERABILITY  

Usury Savings - If a court of competent jurisdiction shall make a final determination that any charge 
imposed pursuant to this Agreement violates usury or other similar credit laws of any state, the charges 
payable hereunder shall be accordingly adjusted for the purpose of avoiding any such usurious payment 
without any further action of the parties hereto.  

Severability - If any term, provision, or section of this Agreement is held invalid or unenforceable, under 
any statute or court decision, or any governmental rule or regulation, the remainder of the Agreement 
shall remain effective.  

 
 
 
 
 
 
 
 
 
 
YOUR BILLING RIGHTS - KEEP THIS NOTICE 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: Marathon Petroleum Company LP, Attn: 
Credit Card Center, 539 South Main Street, Findlay, OH 45840-3229  

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 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.)  

  2. You must have used your credit card for the purchase.  
  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: 
Marathon Petroleum Company LP, 539 South Main Street, Attn: Credit Card Center, Findlay, OH 45840-
3229.  

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.  

NOTICE TO CARDHOLDER  
California Residents - You have the right to prohibit MPC from disclosing to marketers of goods 
marketing information concerning you which discloses your identity. To exercise this right, you may call 
MPC at 1-800-537-9580. Delaware Residents - Service charges not in excess of those permitted by law 
will be charged on the outstanding balances from month to month. Illinois Residents - No applicant may 
be denied a credit card on account of race, religion, national origin, ancestry, age (between 40 and 70), 
sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge 
from military service. The applicant may request the reason for rejection of his or her application for a 
credit card. No person need reapply for a credit card solely because of a change in marital status unless 
the change has caused a deterioration in the person's financial position. A person may hold a credit card 
in any name permitted by law that he or she regularly uses or is known by, so long as no fraud is intended 
thereby. Indiana Residents - The amount charged for any delinquency is subject to change as allowed 
by IC 24-4.5-1-106. Maryland Residents - Finance charges will be made in amounts or at rates not in 
excess of those permitted by law. Massachusetts Residents - You may cancel a purchase under this 
agreement if it has been signed by a party thereto at a place other than the address of the seller which 
may be his main office or branch thereof; provided you notify the seller in writing at his main office or 
branch, by ordinary mail posted by telegram sent or by delivery, not later than midnight of the third 
business day following a purchase under this agreement. Ohio Residents - The Ohio laws against 
discrimination require that all creditors make credit equally available to all creditworthy customers, and 
that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil 
Rights Commission administers compliance with this law. Texas Residents - To contact MPC about this 
account call 1-800-537-9580. This contract is subject in whole or in part to Texas law which is enforced 
by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207. Phone 
512-936-7600 or 1-800-538-1579. Contact the Commissioner relative to any inquiries or complaints. 

Wisconsin Residents - No provision of a marital property agreement, unilateral statement or court 
decree adversely affects the interest of MPC unless MPC, prior to the time credit is granted, is furnished 
with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision 
when the obligation to the creditor is incurred.  

Washington Residents - You may cancel any purchases made under this charge agreement if the seller 
or his representative solicited in person such purchase, and you sign an agreement for such purchase, at 
a place other than the seller's business address shown on the charge agreement, by sending notice of 
such cancellation by certified registered mail return receipt requested to the seller at his address shown 
on the charge agreement, which notice shall be posted not later than midnight of the third day (excluding 
Sundays and holidays) following your signing of the purchase agreement. If you choose to cancel this 
purchase, you must return or make available to seller at the place of delivery any merchandise, in its 
original condition, received by you under this purchase agreement.  

Notice to buyer - Do not sign this agreement before you read it or if it contains blank spaces. You 
are entitled to a copy of the agreement you sign. Keep this agreement to protect your legal rights.  

NOTICE - ANY CARDHOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL 
CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF 
GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 
RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE 
DEBTOR HEREUNDER.  

This agreement is governed by the laws of the state of Ohio and applicable federal law. The Card is 
issued only upon approval of the Account, all of which have occurred at MPC's office in Ohio.  

Inquiries about your Account should be directed to:  

Marathon Petroleum Company LP 
539 South Main Street   

Attn:  Credit Card Center  

Findlay, OH 45840-3229 
Toll Free Telephone:  1-800-537-9580  

Visit our website at:  http://www.www.marathonpetroleum.com  

REBATE TERMS AND CONDITIONS  

One of the features of a Marathon Premier Card is a rebate on eligible purchases.  

HOW YOU EARN REBATES  

Cardholders earn rebates automatically based upon their monthly purchases. The rebate currently allows 
you to earn:  

  1/2% on the first $100 of eligible purchases in a month  
  1% on the next $100 of eligible purchases in a month  
  1-1/2% on the next $200 of eligible purchases in a month  
  2% on the remaining eligible purchases in a month  

 
For example, if you spend $250 on gasoline each month, your receive 1/2% on the first $100, 1% on the 
next $100 and 1 1/2% on the last $50. The maximum amount of the rebate for the 12-month period is 
$100.  

ELIGIBLE PURCHASES  

You earn rebates on fuel purchases, C-store purchases, and mechanical services not set up on the 
interest free payment plan to your Premier Card account. You do not earn a rebate on insurance premium 
charges, mail order merchandise or services, extended-term purchases, finance charges or annual fees.  

WHEN REBATES ARE EARNED  

Rebates are earned on eligible purchases as they are billed to your Premier Card account.  

WHEN REBATES BECOME AWARDED  

Rebates are awarded in the month of your Anniversary (renewal date for your Premier Card). Rebates 
must be redeemed within the year after your Anniversary. Rebates are not redeemable if the Account is 
closed by you or MPC or if the Account is more than 30 days delinquent.  

HOW REBATES ARE REDEEMED  

Rebates are redeemed in the month of your Anniversary and are applied to the balance of purchases 
made in the subsequent billing cycle. If the last month's balance is less than the rebate amount, then the 
remainder of the rebate amount will be carried over to your next statement. All unused rebates expire 
upon termination of the Premier Card, whether by cardholder or MPC.  

REBATE ADJUSTMENTS  

Returns by you of any product or settlement of any claim for any products eligible for rebate and credited 
to your account will reduce the purchases eligible for rebate for that month and year for which the return 
is credited.  

ADDITIONAL REBATE TERMS & CONDITIONS  

This rebate offer does not apply outside of MPC's marketing area or in New Jersey.  

Rebates are not the property of the cardholder and cannot be bought, sold or transferred in any way, nor 
are they redeemable for cash. The rebates may be offset only against the cardholder's balance made in 
that billing cycle, and not against any other obligation of the cardholder.  

Any tax liability related to the rebate is the responsibility of the cardholder. MPC is not responsible for any 
disputes among joint cardholders.  

MPC reserves the right to modify without prior notice the rebate terms and conditions, terminate the 
rebate program, or disqualify any cardholder or credit card account from participation in the rebate 
program.  

The rebate is void where prohibited by law.  

 
 
 
Annual 
Percentage Rate 
(APR) for 
Purchases 
Minimum 
Interest Charge 

PRICING INFORMATION ADDENDUM 
MARATHON PETROLEUM COMPANY LP 
CONSUMER CREDIT AGREEMENT 

5% to 21%. This APR varies by state. Please see below for 
details. 

If you are charged interest, the charge will be no less than $1.00; 
except in TX, where the charge will be no less than $0.75; except 
in MI, MO, NY, and TN, where the charge will be no less than 
$0.70; and except in AL, AZ, CO, DC, IA, IL, IN, KS, LA, ME, MA, 
MN, MS, MT, NJ, OK, PA, SC, SD, VA, VT, WV, WI, and WY, 
where the charge will be no less than $0.50. 

How to Avoid 
Paying Interest 
on Purchases 

Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you any interest on your account if you 
pay your entire balance by the due date each month. 

Annual Fee 

Regular Account – None 

Premier Account – $0 to $35. This fee varies by state. Please see 
below for details. 

Late Fee 

$0 to $10. This fee varies by state. Please see below for details. 

Returned 
Payment 

$0 to $30. This fee varies by state. Please see below for details. 

Balance Computation Method 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)” in all states except MA, ME, MN, MS, MT, NE, NM and RI; we use a method called “average 
daily balance (excluding new purchases)” in MA, ME, MN, MS, MT, NE, NM and RI. See below for more 
details. 

If MPC has not received payment in full of the New Balance by the Payment Due Date shown on your 
periodic statement, we may assess an Interest Charge applied to the Average Daily Balance. We 
determine the Interest Charge on your Account by applying the periodic rate applicable to your state of 
residence as determined by your billing address to the Average Daily Balance of your Account. For an 
explanation of the calculation method used to determine the Interest Charge on your periodic statement, 
please call us toll free at our customer service number 1-800-537-9580. 

1. To get the Average Daily Balance we take the beginning balance of your Account each day, add any 
new purchases (new purchases are not included in computing the Average Daily Balance in the states of 
MA, ME, MN, MS, MT, NE, NM and RI), insurance premiums, mail order merchandise charges, unpaid 
returned payment fees, previously assessed unpaid Interest Charges and late payment fees and subtract 
any payments or credits. This gives us the daily balance. Then, we add all the daily balances for the 
billing cycle together and divide by the total number of days in the billing cycle. This gives us the Average 
Daily Balance. 

2. If Interest Charges are imposed and the total interest that results from application of the above 
calculation is less than $1.00, we will impose a Minimum Interest Charge of no less than $1.00 (which is a 
FINANCE CHARGE); except in TX, where we will impose a Minimum Interest Charge of $0.75 (which is a 
FINANCE CHARGE); and in MI, MO, NY, and TN, where we will impose a Minimum Interest Charge of 
$0.70 (which is a FINANCE CHARGE); and in AL, AZ, CO, DC, IA, IL, IN, KS, LA, ME, MA, MN, MS, MT, 
NJ, OK, PA, SC, SD, VA, VT, WV, WI, and WY, where we will impose a Minimum Interest Charge of 
$0.50 (which is a FINANCE CHARGE). 

 
 
 
 
 
 
 
 
Rates and Fees which vary by State 

Rates: 
If Interest Charges are assessed during a billing cycle, we will use the following APR and corresponding 
monthly periodic rate: 

If you reside in the state of: 

Arkansas 
Texas 
Pennsylvania 
Minnesota 
Alabama, Colorado, Florida, 
Louisiana, Maine, Maryland, 
Massachusetts, Mississippi, 
Nebraska, North Carolina, Ohio, 
South Carolina, Vermont, 
Virginia, Wisconsin 
Michigan 
Georgia, Illinois, Indiana, 
Kansas, Kentucky, Oklahoma, 
Tennessee, Wyoming 
All other states 

We apply the monthly periodic 
rate of: 
.42% 
.83% 
1.25% 
1.33% 
1.5% 

1.67% 
1.75% 

1.0% 

Annual Percentage Rate 

5% 
10% 
15% 
16% 
18% 

20% 
21% 

12% 

ANNUAL FEES 
You will not be charged an annual fee unless you have a Marathon Premier Credit Card Account. Where 
permissible by law, the annual fee for the Marathon Premier Credit Card Account is $35, except as 
follows: 

If you reside in the state of: 
NC 
CA 
MS 
DE, MD, MO, NJ, OR, PA, WA 

Annual Fee 
$24.00 
$15.00 
$12.00 
None 

LATE FEES 
Where permissible by law, if we do not receive the Minimum Payment Due by the Payment Due Date we 
may impose a late fee of $10, except as listed below: 

If you reside in the state of: 
MD, OH, RI 
WA 
AZ, DE, HI, IN, KS, MA, MO, MS, NC, NE, OK, PA, 
TX, VA, WV 
MN 

Late Fees 
None 
$2.00 
$5.00 

$5.20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
RETURNED PAYMENT FEES 
Where permissible by law, we may impose a returned payment fee if any check used to pay an amount 
you owe is not honored, as follows: 

If you reside in the state of: 
DC, MD, PA, RI, WY 
NE 
AZ, IA, MA, OK 
CA, HI, ID, KY, LA, MO, MS, ND, OH, TX, UT, 
WA, WI, WV 
AL, AR, CO, CT, GA, IN, MN, NJ, NY, TN 
AK, DE, FL, IL, ME, MI, MT, NH, NM, NV, NC, 
OR, SC, VA, VT 
KS, SD 

Returned Payment Fee 
None 
$5.00 
$10.00 
$15.00 

$20.00 
$25.00 

$30.00