PRICING DISCLOSURES 
These Pricing Disclosur es are part of the Cardhol der Agreement. 
 
Interest Rates and Intere st Charges 
Annual Percentage Rate 
(APR) for Purchases 34.99% 
APR for Cash Advances 34.99%  
Paying Interest  Your due date is at least  21 days after the close of each billing cycle. We  
will not charge you any interest on purchases  if you pay your entire balance 
by the due date each month. We will begin charging interest on cash 
advances on the posting date. 
Minimum Interest Charge If you are charged  interest, the cha rge will be no less than $1.00. 
For Credit Card Tips from 
the Consumer Financial 
Protect ion Bureau To learn  more about factors to cons ider when applying for or us ing a 
cred it card, visit the website of the Consu mer Financ ial Protection 
Bureau at http://www .cons umerfinance.go v/learnmore 
 
Fees 
Set-Up and Maintenance Fees 
 
 
 
 
 
 
 
 
 
 
Program  Fee 
 
Annual Fee 
 
 
Mon thly Servicing Fee 
 
 
 Notice: Some of these set -up and maintenance fees  will be asses sed 
before you begin using your card  and will reduce  the amount of credit 
you initially have available. Based on your initial credit limit of $300. 00, 
your initial available credit will only be $225.00 .  
 
You may still reject the plan, provided that you have not yet used the 
account or  paid a fee af ter receiving a billing statement.  If you do reject 
the plan, you are  not respons ible for any fees or cha rges. 
 
$89.00 (one-time fee).  
 
$75.00 for first year 
After that, $48.00 annually. 
 
None for first year (introduc tory) 
After that, $75.00  annually ($6.25 per  month). 
 
 Transaction Fees 
Cash Advance Fee  
None for first year (introduc tory).  After that, either $10.00 or 3 % of 
the amount of each cash advance, whichever is greater. 
Penalty Fees 
Late Payment Fee 
Returned Payment Fee  
Up to $40.00 
Up to $40.00 
How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases).� 
See your cardholder agreement for more details. 
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the 
cardholder agreement and on the back of your monthly billing statement. 
 
 
 
 
 
   
  
Addi tional Information Regarding  Program Fee 
 
We require a one -time up front Program Fee of $89.00 to be paid in full before your Account is opened.  Once you are 
approved for an Account and we have received and processed your payment of the Program Fee, your Account will be 
opened and you may activat e and begin using your Card. If you are approved for an Account and the Program Fee is not 
paid in full within sixty (60) days from the date your application was approved, your application will be withdrawn. 
Refer to the Section entitled �Refund Disclosure � for additional information.  
 
Additional Information Regarding Interest Charges and Other Fees  
 
Your Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account as 
a Purchase:  
 
Interest Charges : 
 
Paying Interest Charges. You agree to pay us Interest Charges on your Account as described herein. Interest Charges 
are calculated using the Average Daily Balance Method (Including New Purchases)  as described below.  
 
How to Avoid Paying Interest Charges on New Purchases (Grace Period). If you paid the New Balance on your 
prior monthly billing statement by the due date shown on that billing statement  (the �Payment Due Date�) , we will not 
impose any Interest Charges on n ew Purchases, or any portion of a new Purchase, paid by the applicable Payment D ue 
Date (which will be at least 21 days from the billing cycle closing date). New Purchases are Purchases that first appear 
on your current billing statement.  
 
Paying Interest  Charges on Cash Advances: Cash Advances are subject to Interest Charges from the date the 
transaction is posted to your Account. Unlike Purchases, this means there is no time in which you can pay the balance 
of Cash Advances in order to completely avoid I nterest Charges on Cash Advances.  
 
How We Calculate Interest Charges on Purchases � We use the Average Daily Balance Method (Including New 
Purchases) to calculate the Interest Charges on Purchases for each billing cycle. We figure the Interest Charges on the 
Purchase balance by multiplying the Average Daily Balance for Purchases  by the Daily Periodic Rate . The Daily 
Periodic Rate  for Purchases is calculated as set forth below. To get the Average Dai ly Balance  we take the beginning 
balance of Purchases each day (which may include unpaid interest), add any new Purchases (including Fees and other 
charges), add any interest accrued on the previous day�s balance (this results in daily compounding of inter est), and 
subtract any payments or credits applicable to Purchases as of their posting dates. This gives us the Daily Balance . Then, 
we add up all the Daily Balances  for the billing cycle and divide the total by the number of days in the billing cycle. 
This gives us the Average Daily Balance for Purchases . If a Daily Balance  is negative, we treat it as zero.  
 
How We Calculate Interest Charges on Cash Advances  � We use the Average Daily Balance Method (Including 
New Cash Advances ) to calculate Interest Charg es on Cash Advances for each billing cycle. We figure the Interest 
Charges on your Cash Advance balance by multiplying the Average Daily Balance for Cash Advances by the Daily 
Periodic Rate . The Daily Periodic Rate  for Cash Advances is calculated as set fo rth below. To get the Average Daily 
Balance  we take the beginning balance of Cash Advances each day (which may include unpaid interest), add any new 
Cash Advances, add any interest accrued on the previous day�s balance (this results in daily compounding of  interest), 
and subtract any payments or credits applicable to Cash Advances as of their posting dates. This gives us the Daily 
Balance . Then, we add up all the Daily Balances  for the billing cycle and divide the total by the number of days in the 
billing cycle. This gives us the Average Daily Balance . If a Daily Balance is negative, we treat it as zero.  
 
Daily Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR). To calculate Interest Charges, 
we multiply the Average Daily Balance  by the Daily Periodic Rate . The Daily Periodic Rate is calculated by dividing 
the ANNUAL PERCENTAGE RATE  (APR)  for Purchases and Cash Advances by 365. The Daily Periodic Rate  for 
Purchases and Cash Advances is  0.09585%, which is equivalent to a corresponding ANNUAL PER CENTAGE RATE 
(APR) of 34.99%. Subject to any grace period, the Fees assessed to your Account  will be treated as Purchases and 
will be subject to the APR applicable to Purchases . 
 
Minimum Interest Charge. In any month in which an Interest Charge is due, if that Interest Charge is less than $1.00, 
we may charge you a minimum Interest Charge of $1.00. Notwithstanding the foregoing, during the first 12 months your 
Account is open, any Interest Charges assessed on your Account will be equal to the actual accrued  interest.    
  
Fees: 
 
Annual Fee . Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every 
twelve months thereafter whether or not you use your Account. The Annual Fee is non -refundable except as provided 
in the Section below entitled �Refund Disclosure.� Your payment of the Annual Fee does not affect our right to close 
your Account. The Annual  Fee will not be billed to your Account after your Account is closed.  
 
Monthly Servicing Fee. Your Account will not be ch arged a Monthly Servicing Fee for the first year (introductory) 
following Account opening. Each month after  the first introductory year , your Account will be charged a Monthly 
Servicing Fee of $6.25 per month ($75.00 annually). This fee will be billed unti l your Account is closed and your 
outstanding balance is $20.00 or less.  
 
Cash Advance Fee.  In addition to the periodic Interest Charge we assess on Cash Advances, each time you obtain a 
Cash Advance, we will impose a transaction fee of $10.00 or 3% of the amount of each Cash Advance, whichever is 
greater. Notwithstanding the foregoing, your Account will not be charged any Cash Advance fees for the first year 
(introductory) following Account opening.  
 
Late Payment Fee.  If we do not receive payment from you in at least the amount of your Total Minimum Payment 
Due by the Payment D ue Date, you will be charged a Late Payment Fee. The fee will be the lesser of (a) $29.00 if you 
did not incur a Late Payment Fee during any of the prior six billing periods; othe rwise  $40.00, or (b) your past due Total 
Minimum Payment Due amount.  
 
Returned Payment Fee.  If any check or other item tendered in payment of the amount due on your Account is returned 
unpaid for any reason, you will be charged a Returned Payment Fee. The  fee will be the lesser of (a) $29.00 if you did 
not incur a Returned Payment Fee during any of the prior six billing periods; otherwise $40.00, or (b) your past due 
Total Minimum Payment Due amount.  
 
Additional Card Fee. If you authorize us to issue an ad ditional Card for an Authorized User, an Additional Card Fee 
of $29.00 will be imposed annually for each additional Card. This fee will be assessed at the time you request each 
Additional Card and annually thereafter following each anniversary date of your  Account opening, whether or not the 
additional Card is used . This will reduce your initial available credit by the amount of the fee(s) . The Additional Card 
Fee is non -refundable except as provided in the Section entitled �Refund Disclosure.� The Addition al Card Fee will be 
pro-rated the first year an additional Card is issued based on when the additional Card is issued  relative to the date (or 
anniversary date) of your Account opening . 
 
Premium Plastic Card Design Fee.  If you choose to select a Premium Plastic Card Design, you authorize us to bill a 
one-time Premium Plastic Card Design Fee to your Account. The cost of the selected card design will be disclosed to 
you at the time you select it, however, will never exceed  $10.00. The Premium Plastic Card Design Fee is refundable if 
you notify us of your request to cancel the Premium Card Design within thirty (30) days or one billing cycle (whichever 
is less) after the fee appears on your monthly billing statement.   
 
Credit  Limit Increase Fee.  After your Account has been open for at least one year, a fee of 20% of the amount of any 
increase in your credit limit may be charged to your Account as a Credit Limit Increase Fee. For example: if your credit 
limit is increased by $ 100, a $20.00 Credit Limit Increase Fee will be assessed  to your Account , which will result in a 
$20.00 charge to your Account and additional available credit on your Account of $80.00. This fee is automatically 
assessed upon your acceptance of each credit  limit increase.  
 
Express Delivery Fee. We impose a $35.00 fee for the express delivery of your Card.  
 
Copying Fee.  If you request duplicates of any monthly billing statement or other document, a copying charge of  $3.00  
may be assessed to your Account  for each copy we provide , unless the request  is made in connection with a bona fide 
billing error dispute.  
 
 
 
 
 
 
   
 VISA� CARDHOLDER AGREEMENT  
 
THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION PROVISION.  UNLESS YOU ACT 
PROMPTLY TO REJECT THE ARBITRATION PROVISI ON, IT WILL HAVE  A SUBSTANTIAL EFFECT 
ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR 
PART ICIPATE IN A CLASS ACTION. 
 
This cardholder agreement (�Agreement�) contains the terms and conditions under which MRV Banks  has agreed to 
establish a Vis a credit card Account (�Account�) for you. The accompanying Pricing Disclosures are part of this 
Agreement. This Agreement contains our most current terms and supersedes any prior terms you may have received 
from us. Please  read this Agreement carefully and retain  it for your future reference. 
 
Accep tance of Agreement. Use of the Card or Account by you or an Authorized User shall constitute your agreement to 
the terms and conditions of this Agreement. Whenever stated in this Agreement that we may take certain described 
actions, this permits us to do so at our sole discretion. You acknowledge and agree that, at the time you applied and were 
approved for a Card, you were not a �covered borrower� as such term is defined under 32 C.F.R. � 232.3(g).  
 
Effective Date of Agreement. Unless you are a resident of the State  of New York, this Agreement is effective upon the 
earlier of (1) the first Purchase made or Cash Advance taken on your Account, and (2) the expiration of 30 days from 
the date we deliver this Agreement to you if you do not provide us written notice of your desire to cancel within this 30 
days. If you are a resident of the State  of New York, this Agreement is not effective until the first Purchase made or 
Cash Advance taken on your Account. In all cases,  if any Fees are required to be paid prior to opening your Account, 
this Agreement will not be effective, and your Account will not be opened, until such Fees are paid in full. You are not 
obligated to pay any Fees or Interest Charges (other than any Fees required to be paid prior to opening your Account) 
until this Agreement is effective. 
 
Defined Terms 
 
 
�You� and �your� mean each person who applied for the Account, each person to whom MRV Banks  issues a Card.  
 
�We,� �us,� �our,� means MRV Banks , Ste. Genevieve,  Missouri , and our agents, authorized representatives, 
successors, and assignees or other holders of this Agreement or your Account. 
 
�Authorized User� means anyone who uses a Card or your Account with your consent. 
 
�Card� means any Visa credit card issued in connection with your Account, including all renewals and substitutions. It 
also means any other access device for your Account we give you that allows you to obtain credit, including any 
Account number. 
 
�Cash Ad vance� means each of the following transactions: (a) a transaction drawing upon your Account using your 
Card and PIN (described below) at an ATM that bears the Visa�  logo; (b) a transaction at any participating Visa� 
financial institution drawing upon your Accoun t; (c) an electronic or other transfer of funds initiated  by us, at your 
request (i.e., we sign the check as the drawer), drawing upon your Account; (d) use of a check provided by us (i.e., you 
sign the check as the drawer) drawing upon your Account; (e) a transaction and the fees associated with using your 
Card to purchase cash equivalents, including wire transfers, money orders, and travelers� checks; and (f) any other 
method of obtaining a cash loan. 
 
�Fees� means charges imposed on your Account as described in this Agreement that are not based on an Annual  
Percentage Rate.  
 
�Interest Charges� means any charges to your Accoun t based on the applicati on of an Annual Percentage Rate. 
 
�New Balance� means the outstanding balance of your Account at the end of any billing cycle. 
 
�Purchase� includes (a)  a transaction using your Card to purchase or lease  goods or services from one who honors 
the Card; (b) any other Account related  Fees; and (c) any other transaction that is not otherwise a Cash Advance. 
 
Other important words used in this Agreement begin with capital letters. They are defined throughout this Agreement. 
   
     Using  Your Card 
 
Permitted U ses. You may use your Card and your Account to make Purchases wherever your Card is accepted, 
provided your Account is in good standing and you have available credit. Each time you use your Card, either for a 
Purchase or a Cash Advance, you are requesting us to make a loan to you for the amount of the Purchase or the Cash 
Advance. If you use your Account number to make a Purchase or obtain a Cash Advance without presenting your Card 
(such as for a mail order , telephone or internet purchase), the legal effect will be the same as if you used the Card itself.  
Each Purchase and Cash Advance obtained will reduce the available credit under your Account  until it is repaid in 
accordance with the terms of this Agreement. 
 
Cash Advances. You may use your Card to obtain Cash Advances if (i) your Account has been open for at least the later 
of ninety (90) days or three completed billing cycles, (ii) your Account  is not past due, and (iii) you have available credit 
for Cash Advances. You may obtain Cash Advances from an Automated Teller Machine (�ATM�) or through a bank 
teller. However, the total of your unpaid Cash Advances may not exceed one-half of your credit limit. Cash Advance 
amounts may also  be subject to limits imposed by other banks and ATM operators. 
 
Prohibited Uses. You may not use your Card outside the United States, or to make a charge in a foreign currency. 
The Card may not be used for any illegal transactions. The Card may not be used for online gambling transactions or 
at an automated fuel pump. You further acknowledge that your Card will be for personal use and may not be used for 
business purposes. If you use, or allow someone else to use your Card or Account for any prohibited purpose, you will 
be responsible for such use and may be required to reimburse us for all amounts or expenses we pay as a result of such 
use. 
 
Card. You agree to sign the back of the Card issued to you in connection with your Account immediately upon receipt. 
The Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy 
it if we ask. 
 
PIN. Upon your request, you may be assigned a personal identification number (�PIN�). With a PIN, you may use your 
Card to obtain Cash Advances from an ATM. You should keep your PIN secure and not write it down, give it to anyone, 
or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN, 
you must contact us immediately. You may request or change your PIN by calling us at (800) 755-9203 . 
 
Credit  Limit. Your credit limit is the maximum amount of credit we have approved for your Accoun t. Your credit 
limit will be disclosed to you when your Card is issued and will also appear on your monthly billing statement. You 
agree not to make any Purchase or obtain any Cash Advance that would cause the unpaid balance of your Account to 
exceed your credit limit. The total of your unpaid Cash Advances may not exceed one-half of your credit limit. You agree 
that we may change your credit limit at any time without affecting your obligation to pay the amounts you owe under 
this Agreement. At our sole discretion, we may honor Purchases or Cash Advances in excess of your credit limit without 
raising your credit limit. If we do, we may require you to pay us any amount over your credit limit immediately. If we 
have previously allowed your balance to exceed your credit limit, it does not mean that we will permit your balance 
to exceed your credit limit again. See the next section with respect to credit limit increases.  
 
Credit  Limit Incre ases. Through notification from us or upon your request, your Account may be reviewed for a 
credit limit increase after being open for at least twelve (12) billing cycles. If you accept a credit limit increase offer 
from us , a Credit Limit Increase Fee will be assessed  to your Account. Please  refer to the Pricing Discl osures for 
more information about the Credit Limit Increase Fee. We reserve the right to decline your request for a credit limit 
increase in  our sole discretion. 
 
Lost or Stolen Card; Liability for Unauthorized  Use. You will take reasonable steps to prevent the unauthorized use 
of your Card and Account. If your Card is lost or stolen, or you think someone used your Account without your 
permission, tell us immediately by notifying us by phone at (800)  755-9203  or in writing at PO Box 85800 , Sioux 
Falls, South Dakota 57118-5800 . You will not be liable for unauthorized use of your Card or Account. Certain 
exceptions apply . You agree to cooperate in  our investigation of the unauthorized use and provide any information we 
deem necessary to our investigation. We will send you a new Card with a new Account number to replace the Card 
that was lost or stolen. Although you will be issued a new Account number, you will not be considered to have opened 
a new Account, and any existing balance will be transferred to the replacement Account. Please  see �Your Billing 
Rights� section below for more details.  
 
Declines  and Authorizations. You agree that we shall have no liability if any merchant or bank refuses to honor your 
Card or Account number, if an ATM or other device fails to properly operate, or if services are unavailable due to   
 circumstances beyond our control (such as system failures, fires, floods, pandemics, public health emergencies,  natural 
disasters, or other unpredictable events). Some transactions on your Account will require prior approval. These prior 
approvals are called �authorizations.� We may limit the number of authorizations we will give your Account during any 
certain period of time (day, weekend, week) and we may deny an authorization if we suspect that your Account is being 
used without your permission. If our authorization system is not working fully, we may be unable to give an 
authorization even though the transaction would not exceed your credit limit. For security reasons, we cannot explain 
the details of how the authorization system works. You agree that we will not be liable for failing to give an 
authorization. We are not obligated to honor every transaction, even if you have available credit. We may decline a 
transaction on your Account at our discretion for any reason including the following: because of operational 
considerations, because your Account is in default, or if we suspect fraudulent or unlawful activity. We are not 
responsible for any losses if a transaction on your Account is declined for any reason, whether by us or a third party, 
even if you have sufficient credit available. If the authorization is denied, we may notify the person who attempted the 
transaction that it has been refused. Transactions at some participating merchants (such as hotels, car rental companies, 
and restaurants) may result in authorizations for amounts greater than the actual purchase amount, which will have the 
effect of making less credit available on your Account for several days (usually until the date the actual purchase 
amount is received from the merchant). 
 
Authorized Users. If another person is given access to your Account with your express or implied permission, 
notwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in 
the Authorized User�s name. At your request, and if we agree, we may issue an additional Card in the name of an 
Authorized User with your Account number. You will be responsible for all charges, Cash Advances, Interest Charges, 
Purchases and Fees incurred by any Authorized User. We are not required to try to obtain payment from any Authorized 
User before requiring payment from you. You and each Authorized User  agree that Authorized Users shall be subject to this 
Agreement, and we may report Account information to consumer reporting agencies in the names of both you and any 
Authorized User. 
 
Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as 
provided on your monthly billing statement and request their removal. We will have a reasonable amount of time after 
your request to research the situation and remove them. You also must immediately destroy all Cards in their 
possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, 
you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts 
do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. 
We may close your existing Account and/or issue a new Card with a new Account number. 
 
Transactions Made in Foreign Currencies. Although charges outside the United States  or in a foreign currency are 
not allowed, if you make a charge in a foreign currency, the exchange rate for the transaction will be either (a) a rate 
selected  by Visa from the range of rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the 
applicable central processing date. 
 
Payments 
 
 
Your Promise to Pay. You promise to pay to us all amounts advanced to you (including amounts advanced to any 
Authorized User) under this Agreement, plus all Fees and Interest Charges assessed on those amounts, and all other 
charges, costs, and fees which you incur under the terms of this Agreement. 
 
Total Minimum Payment Due.  You may pay any or all of the amounts you owe at any time without penalty, but you 
must pay at least the Total Minimum Payment Due each month on or before the Payment  Due Date in order to maintain 
your credit privileges. The �Total Minimum Payment Due� is comprised of the Monthly Payment plus any amount 
past due, as reflected  on the monthly billing statement. If the New Balance shown on your statement is $40.0 0 or less, 
the �Mon thly Payment� is the New Balance. If the New Balance exceeds $40.00 , the Monthly Payment is the greater  
of (a) five percent (5%) of your New Balance at the end of the billing cycle (rounded up to the nearest dollar) or (b) 
$40.00.  The Total Minimum Payment Due may also include the amount by which your New Balance exceeds your 
credit limit (�Over Credit Limit Amount�). Failure to pay the Over Credit Limit Amount as requested  on your monthly 
billing statement will not, by itself, cause your Accoun t to be delinquent. The Total Minimum Payment Due is due by 
the Payment Due Date shown on the monthly billing statement (the Payment  Due Date will be at least twenty-one (21) 
days from the billing cycle closing date) and payments must be made to MRV Banks  at the address shown on the monthly 
billing stat ement. Merchandise refunds, Fee or Interest Charge reversals or other credits to your Account will be   
 applied t owards your outstanding balance, but will not be treated  as payments for purposes of satisfying your obligation 
to make the next Total Minimum Payment Due. 
 
Payment Instructions. Payments received in Proper Form by 5:00 p.m. CST on a business day will be credited as of 
the date received. Payments received after 5:00 p.m. CST on a business day and payments made on a Saturday, Sunday, 
or bank holiday will be credited to your Account the next business day.  We may, in our discretion, accept payments not 
received in Proper Form, but crediting of such payments may be delayed up to five business days following receipt. 
Delayed crediting may cause you to incur a Late Payment Fee and additional Interest Charges. �Proper Form� means 
that a payment sent by mail or courier follows these guidelines: 
� Payments must be sent to the address on the payment coupon of your monthly billing statement. 
� Payments must be made by personal check, money order, cashier�s check, or guaranteed funds (described below) in 
U.S. dollars payable to MRV Banks . 
� All checks or negotiable instruments must be drawn on a U.S. financial institution and contain proper signatures 
and consistent numeric and written amounts. 
� Payments must not be in the form of cash or third-party checks. 
� Your payment coupon must be included with your payment. If your payment coupon is not included, your name 
and Account number must be printed legibly on your check or negotiable instrument. 
Payments not made in guaranteed funds may not create available credit for up to fourteen (14) days to allow the  payment 
to clear or even longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. 
Guaranteed funds  that are accepted include payments in the form of bank or postal money orders, bank  cashier�s checks, 
and PayNearMe . This list may change. Please call customer  service for a current list of payments accepted as guaranteed 
funds. Third -party payments are subject to review and  may not immediately create available credit. At our discretion, 
we may accept late or partial payments, as well as  payments that ar e marked �paid in full� or other restrictive 
endorsements, without losing any of our rights under this  Agreement. You agree that we need not examine any payment 
check to confirm that it is not postdated , and that we may deposit any postdated check for paym ent to us on the day we 
receive it. Satisfaction of a debt for less than the full  amount due or imposition of any other term or condition on us 
requires a written agreement, signed by our authorized  representative. All written communications concerning dis puted 
amounts, including a check or other payment  instrument that (a) indicates that the payment constitutes �payment in full� 
or is otherwise tendered as full satisfaction  of a disputed amount or (b) is tendered with other conditions or limitations, 
must be marked or delivered to us at the  address for billing inquiries shown on your monthly billing statement, not at 
the payment address. You waive  presentment for payment, protest, notice of non -payment and of protest, and agree to 
any extensions of time of payment  and partial payment before, at, or after maturity. You may at any time pay more than 
your minimum payment or pay off  your entire balance in full without any additional charge for prepayment. No matter 
how large your payment is in one billing cycle,  you will need to make a payment in the following cycle if you have an 
outstanding balance. You are  not authorized to use your available credit to make a payment on your Account and we 
may refuse such payments in  our sole discretion. We may resubmit and el ectronically collect returned payments. We 
may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle 
similar issues.  
 
How We Apply Payments. Payments will be applied in a manner we determine in accordance with applicable law, 
and the applicati on of payments may change from time to time. 
 
Credit  Balances. You may not maintain a  credit balance on your Account. If payments cause a credit balance, your 
Account may be temporarily suspended and subject to further review. We may reject and return to you any payment 
that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that 
your payment has cleared. You may contact us as provided on your monthly billing statement and request a refund of 
any available credit balance of $1.00 or more. If you contact us in writing, we will refund your credit balance within 7 
business days from our receipt of your written request. If you do not request a refund, we will apply credit balances to 
future amounts you owe us unless a refund is required by law. 
 
Electronic Check Presentment. By sending us a check as payment, you authorize us to use information on your check 
to make a one-time electronic funds transfer from your account at the financial institution indicated  on your check or 
to process the payment as a check transaction. When we use information from your check to make an elect ronic funds 
transfer, funds may be withdrawn from your bank account as soon as the same day we receive payment. If your check 
is processed  electronically, your canceled  check will not be returned to you by your financial i nstitution. We will retain  
an image of your elect ronically processed  check(s) as required by law. If requested  prior to the time we are allowed by 
law to destroy elect ronically processed  checks, we will provide you with a copy of your elect ronically processed 
check(s) upon your request. 
 
   
      Monthly Billing  Statements, Communications and Information About You 
 
Monthly Billing  Statements. We will send you a monthly billing statement at the end of each monthly billing cycle in  
which your Account has a debit or credit balance of more than $1.00, if an Interest Charge has been imposed or if other 
Account activity has occurred. Your statement will arrive around the same time each month; however, we reserve the 
right to change the date of your billing cycle at any time to the extent permitted by law. The statements we send to you 
will reflect the activity and our Interest Charges, Fees and other charges on your Account during the immediately preceding 
monthly billing cycle. They will also show your Total Minimum Payment Due and the due date by which we must 
receive payment. The information contained on the statement will be deemed to be correct unless you notify us in 
accordance with the Section below entitled  �Your Billing Rights�. 
 
Descrip tion of E-Statements. You may elect to have your monthly billing statements and other required disclosures 
accompanying your monthly billing statements (�E-Statements�) for your Account delivered to you electronically in 
place of paper disclosures. You may sign up for the E-Statement service or cancel the E-Statement service at any time 
by logging into your Account at www.myccpay.com. Your use of the E-Statement service will be subject to the 
additional terms and conditions presented to you at the time of your enrollment for E-Statements. 
 
Communication with You. We may contact you from time to time regarding your Account. We (and our affiliates, 
agents and contractors) may contact you in any manner we choose to the extent allowed by applicable law. For example, 
we may contact you:  
(1) by mail, telephone, email, or text messa ge; 
(2) by using an automated dialing or similar device (�autodialer�);  
(3) at your home and at your place of employment;  
(4) on your mobile, wireless or cellular telephone or similar device, which may result in charges to you;  
(5) at any time, including weekends and holidays;  
(6) with any frequency;  
(7) by leaving prerecorded and other messages on your answering machine/service and with ot hers; and  
(8) by identifying ourselves, your relationship with us and our purpose for contacting you even if others might hear  or 
read it.  
We may monitor or record any conversation or other communication with you. Unless the law states we cannot, we  may 
modify or suppress caller ID and similar services and identify ourselves on these services in any manner we  choose. 
You also agree that we may contact you using phone numbers, addresses and email addresses we obtain from  public and 
nonpublic databases we may lawfully access ; provided, that we will only do so in compliance with applicable law . 
Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location, 
and contact information for you.  Some  of the l egal purposes for calls and messages include: suspected fraud or identity 
theft; obtaining information; transactions on or  servicing of your Account; collecting on your Account; and providing 
you information about certain products, services and promotions.  
 
Account Alert  Service. Through our Account Alert Service, we will send certain alerts about your Account. You 
expressly agree that we may send you Account Alerts through email messages, SMS text messages to mobile numbers 
you provide to us or any other means we may make available to you from time to time. You may adjust Account Alert 
and delivery preferences at any time by logging into your Account at www.myccpay.com. Account Ale rts sent via SMS 
text messages can also be cancelled  at any time by texting the reply �STOP� from your mobile phone. Cancelling 
Account Alerts sent via SMS text message will not revoke your consent to receive other calls or text messages from us 
to your mobile phone.  You are responsible for any fees or other charges that your wireless  carrier may charge for any 
related data or message services, i ncluding without limitation SMS text services. You agree that Account Alerts may not 
be encrypted, and may include your name and information pertaining to your Account. Receipt of any Account Alert 
may be delayed, or prevented by factors affecting your Internet service provider, phone operator, and other relevant 
entities. We offer Account Alerts solely as a convenience to you. We neither guarantee the delivery or the accuracy of 
the contents of any Account Alert. We will not be liable for losses or damages arising from (a) non-delivery, delayed 
delivery, or wrong delivery of any Account Alert; (b) inaccurate content in an Account Alert; or (c) your use or reliance 
on the contents of any Account Alert for any purposes. We reserve the right to terminate any request from you for any 
Account Alert, at any time. The information in any Account Alert may be subject to certain time lags and/or delays. 
We may terminate or suspend the Account Alert Service at any time without notice. 
 
Your Consent  for Calls and/or Text Messages to Your Mobile Phone. When you give us your mobile tel ephone 
number, you expressly agree that we (and our affiliates, agents and contractors) may contact you at this number 
regarding your Account  using an autodialer and can also leave prerecorded and other messages, including text messages. 
As permitted by applicable law, you expressly agree that we also have your consent to contact you using any mobile 
telephone number for you that we obtain by any legal means. You agree you will be responsible for any fees or charges   
 you incur as a result of incoming calls or text messages from us, from our affiliates or from any third party acting on behalf 
of us or our affiliates. Y ou agree that your consent to receive these calls and/or text messages sent to your mobile phone 
may be revoked only by providing written notice of your revocation to us at the Notice address set forth below, and that 
such revocation notice will state your name, mailing address, specific telephone number(s) for which the revocation 
applies, and the last four digits of your Account number so that we may identify you and your Account. 
 
Visa Ac count Updater. Accounts with Cards bearing the Visa logo are automatically enrolled in  the �Visa Account 
Updater� feature required by Visa.  This feature enables the electronic exchange of Account information between Visa 
and participating merchants to support payment continuity with credential-on-file merchants. Visa  will securely 
provide updated credit card information when your Card is re-issued for any reason or is closed. To opt-out of the Visa  
Account Updater feature for your Account, if applicable, please  contact us by calling the number on the back of your 
Card. 
 
Notices. Any notice required to be provided to you under this Agreement shall be given to you at your residence 
address shown on our records and shall be effective when sent by first-class mail, unless otherwise required by Missouri  
law. Y ou agree to advise us promptly of any change in your address. Any notice from you to us shall be sent to PO Box 
85800 , Sioux Falls, South Dakota 57118-5800  or to such other address as we may give you and shall be effective when 
received by us. We may, at our discretion, accept mailing address corrections from the United States  Postal Se rvice. 
 
Privacy Notice . The privacy notice  for MRV Banks  is provided separately in accorda nce with applicable law. 
 
Your Account Information. We need current information about you to manage your Account. The information we  
need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your email 
address; (4) your social security number or other government identification number;  (5) your telephone number(s); and 
(6) your employment and income information. You are responsible for promptly notifying us when this information 
changes. We may require you to provide addit ional documents that are acceptable to us to verify this information or any 
changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not 
provide additional information as requested.  
 
Credit  Information. We are entitled under applicable law, including the Fair Credit Reporting Act, to obtain 
information about you from a credit reporting agency and we may also verify your credit references and other 
information that you provide to us , including veri fication through third parties . We may obtain updated  or additional 
information about you, including consumer reports, for any legitimate purpose including, but not limited to, the extension 
of credit to you or the review or collection of your Account. We may provide information about you and your Account 
to credit reporting agencies  and others as provided in our privacy  notice . Information we provide might appear on your 
and your Authorized Users�  credit reports. This could include negative information  if you do not comply with the terms 
of this Agreement.  
 
Your Contract With Us 
 
 
Amendment or Modification. At any time and subject to applicable law, we may change or delete any term of, or add 
new terms to, this Agreement, including without limitation the Interest Charge, Annual Percentage Rate, Fees, Total 
Minimum Payment Due amount, and the Arbitration Provision. Unless prohibited by applicable law, these changed or 
new terms will apply to any Account balance outstanding on the effective date of the change and to all future balances. 
When required by applicable law, we will notify you in advance of any changes, deletions or additions. Our notice will 
tell you when and how the changes will take effect and describe any rights you have in connection with the changes. 
 
Governing  Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, 
or otherwise) at any time arising from or relating to your Account, this Agreement or any transferred balances, are 
governed by and construed in accordance with applicable federal law and, to the extent not preempted by federal law,  
by the laws of Missouri (without regard to internal principles of conflict of laws), but we rely on the provisions of 
Nebraska law with respect to the Fees that apply to your Account as authorized by Missouri Revised Statutes Secti on 
408.145. 
 
Default. We may declare your Account to be in default upon the occurrence of any of the following events:  
(a) You fail to make any payment required under the terms of this Agreement when due; 
(b) You fail to comply with any of the terms and cond itions set forth in this Agreement;  
(c) You exceed your credit limit; 
(d) You become incapacitated or die; 
(e) You provide us with false or misleading information or signatures in any respect;   
 (f) We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us on 
time; 
(g) We in good faith deem MRV Banks  to be i nsecure or believe that the prospect of payment is impaired;  
(h) You file for bankruptcy; 
(i) You move out of the U.S. or you provide us with a non-U.S. mailing address. 
(j) You request an excessive number of replacement Cards. 
Upon your default, we can suspend or terminate your ability to use your Card or Account, lower your credit limit, 
increase your Total Minimum Payment Due, demand the return of your Card(s), declare your entire balance 
immediately due and payable, initiate  collecti on activity, continue to charge you Interest Charges and Fees as long as 
your balance remain outstanding, and exercise all other rights or remedies permitted by law, all without prior notice or 
demand except as required by law. You promise to pay any collection costs and attorneys� fees that we incur as a result 
of your default. Our failure to declare your Account in default does not excuse you from performing all of your 
obligations under this Agreement, nor shall such failure constitute a waiver of our rights to declare the Account in 
default and terminate your ability to use the Account and the Card at a later time or upon the occurrence of the same or 
a different event of default. A negative credit report reflecting on your credit recor d may be submitted to one or more 
credit-repor ting agencies if you fail to fulfill the terms of your credit obligations. 
 
Susp ending or Closing Your Account. 
 
We May Suspend or Close Your Account: We may close or suspend your Card or Account and require the return of 
your Card for any reason, including default, without notice to you except as may be required by applicable law. We 
may terminate your Account if you are or become a non-U.S. resident or a resident of New York, Wisconsin, or a U.S. 
territory. Sometimes we close accounts based not on your actions or inactions, but on our business needs. If we close 
your Account, we will not be liable to you for any consequences resulting from closing your Account or suspending your 
credit privileges. 
 
You May Close Your Account: You may cancel your Account at any time by notifying us by telephone or in writing.  
 
If your Account is closed, you are still responsible for any amounts due on the Account pursuant to the terms of this 
Agreement and the Account will continue to accrue applicable Interest Charges and other Fees and charges until the 
Account is paid in full. 
 
Refund Discl osure. We will refund your Program Fee and initial Fees (those Fees that are billed at the time of Account 
opening, including the Annual Fee and Additional Card Fee (if applicable) ) if (1) you have not used your Card for a 
Purchase or Cash Advance; and (2) you have not made a payment on your Account after receiving a monthly billing 
statement. We will refund any partial payment of the Program Fee if  you do not open your Account. If you elect to 
close your Account and notify us of your electi on in writing within thirty (30) days or one billing cycle (whichever is 
less) after an Annual Fee appears on your monthly billing stat ement, the Annual Fee will be credited to your Accoun t 
and your Account will be closed . Except as described in this paragraph, Fees are generally non-refundable. If you elect  
to cancel an additional Card and notify us of your election in writing within thirty (30) days or one billing cycle 
(whichever is less) after an A dditional Card Fee  appears on your monthly billing statement, the Additional Card Fee will 
be credited to your Account. 
 
Severability. If any provision of this Agreement, including any portion of the Arbitration Provision set forth below, is 
determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any other 
provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there shall be 
added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, if possible.  
Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any reason, either 
party may require that the entire Dispute, as defined in the Section entitled  �Arbitration� below, be heard by a judge, sitting 
without a jury, under applicable court rules and procedures. 
 
Attorneys Fees and Costs. Except as may be provided otherwise in this Agreement, you agree to pay all costs incurred 
by us, our successors or assigns, in collecting unpaid indebtedness or in enforcing this Agreement, including attorneys 
fees and costs, as well as those costs, expenses and attorneys fees incurred in appellate,  bankruptcy and post- judgment 
proceedings, except to the extent such costs, fees or expenses are prohibited by law. 
 
No Waiver by Us. Subject to applicable law, we reserve the right not to impose part or all of any Fee or other amount 
imposed pursuant to this Agreement or not to exercise any of our rights under this Agreement, and should we do so, we 
will not waive our right to impose such Fee or amount or exercise such right in the future. 
   
 Assignment. We may sell, assign or transfer all or any portion of your Account or any balances due under your 
Account without prior notice to or consent from you.  You may not sell,  assign or transfer your Card or your Account or 
any of your obligations under this Agreement. This Agreement will be binding on, and benefit, any of your and our 
success ors and assigns. 
 
Entire Agreement. This Agreement, together with your applicati on, constitutes the final expression of the credit 
agreement between you and us relating to your Account and supersedes and may not be contradicted  by evidence of 
any prior or contemporaneous oral credit agreement between you and us relating to your Account. 
 
No Warranties. Except as otherwise provided in the section below entitled  �Your Billing Rights,� we are not 
responsible for any claim you might have regarding the purchases of goods or services made with your Card. 
 
Merchant Refunds. If you are entitled  to a refund for goods or services purchased with your Card, you will accept 
these refunds as credits to your Account. We do not control when a merchant sends us your refund. We will also have a 
reasonable amount of time after we receive your refund to process it. 
 
 
Arbi tration 
 
 
READ THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT THE 
ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH b, CAPTIONED 
�OPT -OUT PROCESS,� THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND 
WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR 
PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE.   
 
a. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated.  
Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in 
court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings 
are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence 
to the arbitrator. The arbitrator will issue a final and binding decision resolving the di spute(s), which may be 
enforced as a court judgment. A court rarely overturns an arbitrator�s decision. As solely used in  this Arbitration 
Provision, the terms �we,� �us� and �our� mean not just MRV Banks  but also our parent companies, wholly or 
majority -owned subsidiaries, affiliates, commonly -owned companies, successors, assigns and any of these entities� 
employees, officers, directors and agents. For purposes of this Arbitration Provision, these terms also mean any 
other third party providing any goods a nd services in connection with your Account, servicing and collection of 
amounts due on your Account, if you name that third party as defendants in a single proceeding.  
b. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject  it by mailing us a 
written opt -out notice which contains your Account number, your name and address and a signed statement 
that you opt  out of the Arbitration Provision of this Agreement. The opt -out notice must be sent to us by mail 
at MRV Banks , PO Box 85800 , Sioux Falls, SD 57118 -5800 . (You should retain a copy of your opt -out notice 
and evidence of mailing or delivery.) An opt -out notice is only effective if it is signed by you and if we receive 
it within thirty (30) days after the date we delivered th is Agreement to you. Indicating your desire to opt -out 
of this Arbitration Provision in any manner other than as provided above is insufficient notice. However, 
your decision to opt out of this Arbitration Provision will not have any other effect on this A greement and 
will not affect any other arbitration agreement between you and us, which will remain in full force and effect. 
If you don�t reject this Arbitration Provision, it will be effective as of the date you were approved for an 
Account.  
c. What Claims Are Covered: �Claim� means any claim, dispute or controversy between you and us that in any way 
arises from or relates to your Account, including disputes arising from actions or omissions on or prior to the date 
of this Agreement. �Claim� has the broadest reasonable meaning, and includes initial claims, counterclaims, cross -
claims and third -party claims. It includes disputes based upon contract, negligence, fraud and other intentional torts, 
constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or 
declaratory relief). Despite the foregoing, �Claim� does not include any individual action brought  by you in small 
claims court or your state�s equivalent court, unless such action is transferred, remov ed, or  appealed to a different 
court. In addition, except as set forth in the immediately following sentence, �Claim does not include disputes about 
the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (includin g, without 
limitation, this sentence, the prohibitions against class proceedings, private attorney general proceedings and/or 
multiple -party proceedings described in paragraph g, captioned �Prohibition Against Certain Proceedings� (the 
�Class Action Waiver �), or the last sentence of paragraph o, captioned �Severability,�); all such disputes are for a   
 court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability 
of this Agreement as a whole is for the ar bitrator, not a court, to decide.  
d. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any 
Claim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written n otice to the 
other party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim 
and may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a lawsuit and 
then seek to  arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit or an 
arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must 
comply with this Arbitration Provision a nd, to the extent not inconsistent or in conflict with this Arbitration 
Provision, the applicable rules of the arbitration Administrator.  
e. Choosing the Administrator : �Administrator� means the American Arbitration Association (�AAA�), 1633  
Broadway, 10th Fl oor, New York, NY 10019, www.adr.org ; JAMS, 1920 Main St. at Gillette Ave., Suite 300  Irvine, 
CA 92614, www.jamsadr.com , or any other company selected by mutual agreement of th e parties. If AAA and 
JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the 
Administrator will be selected by a court. The party asserting the Claim (the �Claimant�) may select the  
Administrator.  Notwith standing any language in this Arbitration Provision to the contrary, no arbitration may be 
administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or 
informal policy that purports to override the  Class Action Waiver.  
f. Court and Jury Trials Prohibited; Other Limitations on Legal Rights:  IF YOU OR WE ELECT TO 
ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN 
COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILIT Y TO OBTAIN 
INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A 
LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE 
AVAILABLE IN ARBITRATION.  
g. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBIT RATE A CLAIM: (1) 
NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS - WIDE  
ARBITRATION,  EITHER  AS  A  PLAINTIFF,  DEFENDANT  OR  CLASS  MEMBER; (2) NEITHER 
YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN 
ARBITRA TION; (3)  CLAIMS  BROUGHT  BY  OR  AGAINST  YOU  MAY  NOT  BE  JOINED  OR 
CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4)  THE  
ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS -WIDE ARBITRATION, 
PRIVATE ATTORNEY GENERAL ARBITRA TION, OR MULTIPLE -PARTY ARBITRATION.  
h. Public Injunctive Relief . If a Claim is brought seeking public injunctive relief and a court determines that the  
restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arb itrator 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 in dividual 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 even t will a Claim for public injunctive relief be arbitrated.   
i. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location 
reasonably convenient to you, as determined by the arbitrator. Each Administrator  charges fees to administer an  
arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you  
or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees c harged  by 
the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable  and 
in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator  and/or 
arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or  if we must 
bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or  reimburse us for 
any fees we pay the Adminis trator or arbitrator. We will bear the expense of our attorneys, experts  and witnesses. 
You will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration. However, if you 
are the Claimant, we will pay your reasonable attorn ey, expert and witness fees and costs if you  prevail or if we 
must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will  bear any fees and 
costs if applicable law requires us to do so.   
j. Governing Law: This Arbitrati on Provision is governed by the Federal Arbitration Act, 9 U.S.C. �� 1 -16 (the  
�FAA�), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with  
the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is  authorized 
to award all remedies permitted by the substantive law that would apply if the action were pending in  court 
(including, without limitation, punitive damages, which shall be governed by the  Constitutional standards  employed 
by the courts). At the timely request of either party, the arbitrator must provide a brief written  explanation of the 
basis for the award.    
 k. Right to Discovery: In addition to the parties� rights to obtain discovery pursuan t to the arbitration rules of the  
Administrator, either party may submit a written request to the arbitrator to expand the scope of discovery  normally 
allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant  or deny that 
request.  
l. Arbitration Result and Right of Appeal: At the timely request of either party, the arbitrator shall provide a written  
explanation for the award. Either party may appeal the arbitrator�s decision within 30 days to a single arbitrator  or 
a three -arbitrator panel selected in accordance with the Administrator�s rules, which shall resolve the Claim  without 
regard to the original decision. We will pay the entire cost of an appeal unless we are  willing to have the  appeal 
decided by a single arbitrator and you insist upon a three -arbitrator panel. In such event, you will be  responsible for 
paying your portion of the difference in arbitration fees between a single arbitrator and a three - arbitrator panel, as 
determined by the panel. However, we  will pay all costs to the extent required by law and/or  required to enforce 
this Arbitration Provision. The original award or any subsequent award on the appeal described  above shall be final 
and binding, subject to any further right to appeal provided by  the FAA. The arbitrator�s award  may be entered by 
any court having jurisdiction.  
m. No Preclusive Effect . No arbitration award involving the parties will have any preclusive effect as to issues or 
claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior  
disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration  
Provision.  
n. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs,  
successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision 
shall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bank ruptcy,  
to the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination,  
amendment, expiration or performance of any transaction between you and us and continues in full force and effect 
unless you and we otherw ise agree in writing. In the event of a conflict or inconsistency between this  Arbitration 
Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement,  on the other 
hand, this Arbitration Provision shall govern.  
o. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall 
not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered  
into by you with us. Howeve r, notwithstanding any language in this Arbitration Provision or this Agreement to  the 
contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in  the event 
that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal  that may 
exist with respect to such determination, any class action or representative proceeding shall be determined in a court 
of law and will not be subject to this Arbitration Provision.  
p. Notice and C ure; Special Payment : Prior to initiating a lawsuit or an arbitration proceeding under this Arbitration  
Provision, the Claimant shall give the other party or parties written notice of the Claim (a �Claim Notice�) and a  
reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in  writing 
by mail to the address you have provided in your Card application (or any updated address you  subsequently 
provide). Any Claim Notice to us shall be sent by mail to PO Box 85800 , Sioux Falls, SD 57118 -5800  (or any 
updated address we subsequently provide), attn: ARBITRATION. Any Claim Notice you send must  identify 
yourself by including your name, address and Account number. Any Claim Notice must  explain the  nature of the 
Claim and the relief demanded. You may only submit a Claim Notice on your own behalf and not  on behalf of any 
other party. The Claimant must reasonably cooperate in providing any information about the  Claim that the other 
party reasonably requests and must give the other party a reasonable opportunity to respond  to the demand for relief. 
If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf  (and not on  behalf of any 
other party); (ii) we refuse to provide you with the relief you request; and (iii) an  arbitrator subsequently determines 
that you were entitled to such relief (or greater  relief), the arbitrator shall award  you at least $7,500 (not including 
any arbitration fees and attorneys� fees and costs to which you may be entitled).  
 
 
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 Monthly Billing Statement  
 
If you think there is an error on your monthly billing statement, write to us at the address listed at the end of this s ection . 
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 first appeared on your monthly billing 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 y our 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 billing 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  
amoun t. 
� If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
Interest  Charges 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 rep orting 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 n ot 
have to pay the first $50.00 of the amount you question even if your bill is correct.  
 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
 
If you are dissatisfied with the goods or services that you have purchased with your credit card,  and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on 
the purchase. To use this right, all of the following must be true:  
1. The purchase must have been made in your home stat e or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50.00. (NOTE: Neither of these are necessary if your purchase was 
based on an advertisement we mailed to you, or if we own the company that sold you the  goods or services.)  
2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM or with a 
check that accesses your Account do not qualify.  
3. You must not yet have fully paid for the Purchase.  
 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:  
 
MRV Banks  
PO Box 8 5800  
Sioux Falls, SD 57118 -5800  
 
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.    
  
State Discl osures  
 
 
California Residen ts: A married applicant may apply for a separate Accoun t. As required by law, you are hereby 
notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting 
Agency if you fail to fulfill the terms of your credit obligations. After credit appro val, each applicant shall have the 
right to use the Account up to the limit of the Account. 
Delaware R esidents: Service charges not in excess of those permitted by law will be charged on the outstanding 
balances from month to month. 
New York and Vermont Residen ts: We may obtain a consumer report for any legitimate purpose in connection with 
your Account or your applicati on, including but not limited to reviewing, modifying, renewing and collecting on your 
Account. Upon your request, we will inform you of the names and addresses  of any Consumer Reporting Agencies 
that have furnished the reports.  New York residents may contact the New York State  Banking Department (1-877- 
226-5697) to obtain a comparative list of credit card rates, fees and grace periods. 
Ohio Resid ents: The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual 
upon request. The Ohio Civil Rights Commission administers compliance with this law. 
Married  Wisconsin Residen ts: No provision of any marital property agreement, unilateral statement, or court order 
applying to marital property will adversely affect a creditor�s interests unless prior to the time credit is granted, the 
creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision. 
 
� 2021. All rights reserved.  M-134512Revvi Rewards Program Terms and Conditions
PLEASE READ THESE REVVI REWARDS PROGRAM TERMS AND CONDITIONS (�TERMS�) CAREFULLY 
AND RETAIN THEM FOR YOUR RECORDS. THESE TERMS GOVERN YOUR PARTICIPATION IN THE REVVI 
REWARDS PROGRAM (THE �PROGRAM�). IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY 
NOT PARTICIPATE IN THE PROGRAM.
1. General . Use of your Card or Account by you or an Authorized User shall constitute your agreement to be 
bound by these Terms in addition to the Cardholder Agreement that is provided upon approval for the Card. 
In the event of a conflict between the Cardholder Agreement and these Terms, the Cardholder Agreement will 
govern, except that these Terms will govern in any matter relating to the Program. Capitalized terms that are not 
defined in these Terms are defined in the Cardholder Agreement. The Program is void where and to the extent 
prohibited by law.
2. Enrollment . If you are approved for the Revvi Card, your Account will automatically be enrolled in the Program. 
3. Earning Rewards Points; Exceptions . 
a. Under the Program, you are eligible to receive 1% cash back in the form of a statement credit using rewards 
points earned for payments made on your Account. Rewards points are only redeemable for statement 
credits towards your Account balance. Rewards points are not redeemable for cash.  
b. At the end of each billing cycle, you will earn one (1) rewards point for every dollar of payment made 
towards the balance on your Account. Payments are rounded up to the next dollar for the purpose of 
earning rewards points (as an example, a payment of $105.23 would earn 106 reward points).  
c. You will not earn rewards points for any amounts paid for the Program Fee since the Program Fee is paid 
prior to Account opening. Merchant credits/refunds to your Account do not earn rewards points. Payments 
returned for any reason will reduce your rewards points balance by the amount of the returned payment 
(rounded up to the next dollar). Rewards points will not be earned on any portion of a payment that exceeds 
the current balance of your Account. 
4. Redeeming Rewards Points . 
a. Once your Account is open for at least 6 months and is in good standing (i.e., open with active charging 
privileges, up to date and not in default, under the credit limit, with no returned payments, and with no 
missing or invalid contact information), you may redeem your accrued rewards points. If your Account is not 
in good standing, you will not be able to redeem your rewards points.
b. Rewards points will not be redeemed automatically. You may redeem rewards points either online via 
myccpay.com or the Revvi Mobile App or by calling the toll-free phone number on the back of your Card.  
c. Rewards points may be redeemed only in 500-point increments, each of which will result in a $5 statement 
credit to your Account. This means that you will be unable to redeem your rewards points if there are fewer 
than 500 points in your rewards points balance. There is no limit to the number of rewards points that may 
be redeemed within a billing cycle. 
d. Rewards points redeemed as statement credits are not considered payments and will not reduce the 
minimum amount you are required to pay each month in connection with your Account. You must pay at 
least the Total Minimum Payment Due each month without applying statement credits to your Account from 
rewards points redemptions. 
e. Unless or until you redeem your rewards points in accordance with these Terms, you have no right, title, or 
interest in any rewards or statement credits. 
5. No Expiration of Rewards Points; Forfeiture . Rewards points do not expire, however, if your Account is closed 
for any reason, any unredeemed rewards points are forfeited and will no longer be eligible for redemption. 
6. Tax Liability . You are responsible for any tax liability you incur related to your participation in the Program.  
Please consult your tax advisor concerning any such income or other tax consequences.  
7. Amendment or Cancellation of Program . We may modify or amend these Terms, or cancel the Program or your 
participation in the Program, at any time. Unless otherwise stated, all changes to the Program will be reflected 
Continued in these Terms and will be effective immediately upon posting of the revised Terms to myccpay.com or the Revvi 
Mobile App. You waive any right to receive specific notice of such changes, subject to applicable law. 
8. Disclaimer of Warranties and Limitation of Liability . The Program is provided without representation or 
warranty of any kind, either express or implied, to the extent permitted by applicable law. Neither we nor 
our service providers will be liable for any damages whatsoever, including, without limitation, direct, indirect, 
special, consequential, incidental, punitive damages or any other losses or expenses arising in connection with 
participation in the Program.  You agree to release, discharge and hold harmless us and our service providers 
from any and all claims of any sort, type, kind or nature that you may have arising out of or in any way relating 
to your participation in the Program or any reward, including (but not limited to) claims for or due to personal 
injury, property damage, accident, sickness, delay, cancellation, postponement, inconvenience, penalty, fines, 
fees, refunds or other irregularities that may occur, are related to, or that may be caused by or arise out of your 
participation in the Program. 
9. Communications with You . We and our service providers may contact you regarding any matter related to 
the Program by mail, telephone or electronic communications using any email address, telephone number, 
or physical address you provide in connection with your Card. You agree to update your contact information 
immediately following any change in such information by submitting your information online at myccpay.com or 
the Revvi Mobile App or by calling the number on the back of your card.
10. Program Website and Mobile App . You may view your current rewards points balance by accessing your 
Account via myccpay.com or the Revvi Mobile App. Despite our best efforts to ensure accuracy, errors on our 
website or Revvi Mobile App regarding the Program may occasionally occur. We reserve the right to correct 
such errors at any time, even if it affects your rewards points balance. Neither we nor our service providers are 
responsible for any delay or difficultly accessing the Program through our website or Revvi Mobile App due to 
scheduled maintenance or circumstances beyond our control.
11. Contact . If you have any questions regarding the Program, you may contact us at info@revvi.com, by phone at 
1-800-755-9203, or by writing to Revvi; PO BOX 85800, Sioux Falls, SD 57118.