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:
Cardholder Services
PO Box 182477
Columbus, OH 43218-2477
In your letter, give us the following information:
�  Account information:  Y our name and account number.
�  Dollar amount:  The dollar amount of the suspected error.
�  Description of the 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.
Y ou 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.
Y ou must notify us of any potential errors in writing . Y ou 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 or investigation, one of two things will 
happen:
�  If we made a mistake:  Y ou 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:  Y ou 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.  Y ou must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or 
with a check that accesses your credit card account do 
not qualify.
3.  Y ou 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:
Cardholder Services
PO Box 182477
Columbus, OH 43218-2477
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.
3550616 CARDHOLDER AGREEMENT
Defined terms �  The following terms have defined meanings 
in this agreement: �Account� means the credit Account 
regulated by this agreement, �Card� means the plastic cards 
issued under this agreement, including the numbers printed 
on these plastic cards; �we,� �us� and �our� mean the financial 
institution appearing on the face of a Card; �you� and �your� 
mean anyone who signs an application for this Account or is 
a guarantor of this Account; and �Approval Letter� means our 
letter to you approving your application and describing some 
of the terms of the Account (the �Approval Letter� which is 
part of the agreement).
By signing, using or activating a Card, you accept the 
terms and conditions of this agreement and of the Approval 
Letter. If any provision of this agreement is determined to be 
unlawful, the rest of the agreement will stand and the unlawful 
provision will be deemed amended to conform to applicable 
law. All Cards are our property and must be returned to us 
immediately according to our instructions, and we may 
repossess a Card at any time in our sole discretion.
1. Promise to pay �  Y ou agree to pay us the total amount 
of purchases, cash advances, finance charges or other fees 
or charges which arise from use of a Card by you or any 
other person, unless the other person does not have actual, 
implied, or apparent authority for such use and you receive 
no personal benefit from the use. Y ou agree to be jointly and 
severally liable with anyone else who has made the same 
promise.
2. Credit Limit �  Y our credit limit is stated on the credit card 
carrier, as well as on your monthly statement. Y ou promise 
to make purchases and cash advances only up to your 
credit limit. Y our promise to pay continues to apply even if 
the amount due exceeds your credit limit. Obtaining credit in 
excess of your credit limit does not increase your credit limit. 
We can change your credit limit at any time to any amount 
(including zero). We will state the new credit limit on your next 
monthly statement.
3. Purchases and cash advances �  Y ou may use your Card, 
up to your credit limit, to buy or lease goods, services or 
insurance wherever the Card is honored. Y ou may also use 
your Card to get a cash advance from participating financial 
institutions. However, you agree not to use your Card for 
any transaction that is illegal under applicable federal, state 
or local law, and you understand that any such use will 
constitute an event of default under this agreement. We are 
not responsible for the refusal of anyone to honor your Card.
4. Monthly Statements �  We will send you a statement at the 
end of each billing cycle in which the Account has a balance. 
The due date for your payment will be 25 days after the last 
day covered by the statement.
5. Payments �  Y ou agree to make the minimum monthly 
payments that are described in the Approval Letter, and to 
make all payments on this Account at the address specified on your monthly statement. We may accept late payments, 
partial payments, post-dated checks, or any form of payment 
containing a restrictive endorsement, without losing any of 
our rights under this agreement. Our acceptance of checks or 
money orders labeled �payment in full� or words to that effect, 
will not constitute an accord and satisfaction nor a waiver of 
any rights we have to receive full payment.
6. Balance Computation Method �  We figure the interest 
charge on your account by applying the periodic rate, as 
stated in the enclosed disclosure table, to the �average daily 
balance� of your account. To get the �average daily balance� 
we take the beginning balance of your account each day, 
add any new purchases/advances/fees, and subtract any 
unpaid interest or other finance charges and any payments 
or credits. This gives us the daily balance. Then, we add up 
all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. This gives us the 
�average daily balance.�
7. Cash advance fee �  Cash advances are subject to the 
cash advance fee stated in the enclosed disclosure table. The 
cash advance fee is a finance charge and is imposed on the 
date of the cash advance. Interest does not accumulate on 
this fee. The following transactions will be treated as cash 
advances:
�  Using your Card to obtain cash from a participating 
Automated Teller Machine (�ATM�);
�  Using your Card to obtain cash from a participating 
financial institution;
�  Using a convenience check drawn on the Account;
�  Obtaining money orders, travelers checks, foreign 
currency, lottery tickets, casino chips, vouchers 
redeemable for cash or similar items.
�  Balance transfers, if identified as cash advances on your 
Approval Letter
8. Annual Fee �  The annual fee, if there is one, on the 
Account is stated in the enclosed disclosure table. The annual 
fee is payable whether or not you use the Card.
9. Liability for unauthorized use �  Y ou may be liable for 
the unauthorized use of your Card, whether due to loss 
or theft of a Card or another reason. Y ou will not be liable 
for unauthorized use that occurs after you notify us orally 
by calling 1-855-320-1462 or you notify us in writing by 
mailing the notice to Cardholder Services, P .O. Box 182477, 
Columbus, OH 43218-2477. In any case, your liability will not 
exceed $50.
10. Default �  Y ou will be in default if you fail to make any 
minimum payment or other required payment by the date that 
it is due. Y ou also will be in default if you violate any other 
provision of this agreement and such violation materially 
impairs the prospect of you paying the amount due on the 
Account. Upon default, we may demand immediate payment 
of the entire amount due on the Account and we may enforce 
our right to this payment as permitted by law.11. International Transactions �  When you use your Card 
for a transaction denominated in a currency other than U.S. 
dollars, the transaction amount will be converted into U.S. 
dollars by applying an exchange rate selected by the Card 
Association from among the range of rates available in 
wholesale currency markets or the government-mandated 
rate on the date the transaction is processed. The rate chosen 
may vary from the rate the Card Association itself receives. 
When you use your Card in a transaction outside of the United 
States to make a purchase, obtain a cash advance, obtain a 
credit voucher, or reverse any of these transactions, a finance 
charge equal to one percent of the amount of the transaction 
(expressed as a positive number) will be assessed against 
your Account. The foreign transaction Fee is imposed on 
the date of the transaction. Interest does not accrue on the 
foreign transaction fee. �Card Association� means either VISA 
international or Mastercard International.
12. Credit Information �  Y ou authorize us to investigate 
your credit standing when opening, renewing or reviewing 
your Account, and you authorize us to disclose information 
regarding your Account to credit bureaus and other creditors 
who may inquire of us about your credit standing.
13. Other fees �  The following charges will be charged to 
your Account as appropriate:
A. Late and returned payment fees.
The following charges may be imposed, if applicable:
� Late Payment Fee: A late payment fee, in the amount 
indicated in the enclosed disclosure table, may be 
imposed if the required minimum payment due is not 
received by the due date listed on the monthly periodic 
statement.
� Returned Payment Fee: A returned payment fee, in the 
amount indicated in the enclosed disclosure table, may 
be imposed if your payment is returned for any reason.
B. Replacement Cards, copies, and special services.  
We may charge you a reasonable fee for issuing 
replacement cards, expediting delivery of your card, an 
expedited payment method using a service representative, 
providing photocopies and reprints that you request, and 
other special services as allowed by law.
14. Amendments �  We may amend or cancel this agreement 
at any time by getting your consent as provided by law or by 
giving you a notice of the amendments. Cards are property of 
the Financial Institution and must be returned at our request.
YOUR BILLING RIGHTS:
KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.