Agreement  for U.S. Bank National Association  Visa®  Personal Line of Credit Accounts 
This credit card program is issued and administered by U.S. Bank National Association. This information is accurate as of Ma rch  3 1 ,  2 0 2 1 .  
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  See the Agreement 
that was provided for your Account and Card for more detailed information, including contact information. 

PRICING INFORMATION:  Actual pricing will vary from one Cardmember to another 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Annual Percentage Rates for Purchases 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 10.25% 
(DPR) 0.028082% 

Annual Percentage Rates for Balance Transfers 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00 % 
(APR) 10.25% 
(DPR) 0.028082% 

Annual Percentage Rates for Cash Advances 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 10.25% 
(DPR) 0.028082% 

Penalty APR and When It Applies 
Paying Interest 

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Set Up and Maintenance Fees 

•  Annual Fee 

There is no Penalty Rate for your Account. 
Your due date is 24-30 days after the close of each billing cycle. 
There is no interest-free period. 
If  you are charged interest, then the Minimum Interest Charge 
will be NONE. 
To learn more about factors to consider when ap plying f or o r 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 
NOTICE: Some of these set-up and maintenance f ees will b e 
assessed before you begin using your Card and based on your 
Credit Limit, your initial available credit will be less.  

You may still reject this Account, provided that you have not yet 
used it or paid a fee after receiving a billing statement. If  you do 
reject  the  Account,  you  are  not  responsible f or any f ees or 
charges. 
NONE 

Transaction Fees   

•  Balance Transf er Advance Fee  
NONE   
•  Convenience Check Advance Fee 
NONE   
•  Financial Institution Cash Advance Fee   NONE   
•  Cash Equivalent Advance Fee 

Either $20 or 4% of  the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   

•  Cash Advance Overdraft Protection Fee  NONE 
•  Cash Advance ATM Fee 

•  Foreign Transaction Fee 

Account Fees 

•  Late Fee  
•  Return Payment Fee  

Up to $40 
Up to $35 

Either $15 or 4% of  the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   
Up to 3% of each foreign transaction amount. 

 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.  See 
the Agreement for more details. 

U.S. BANK NATIONAL ASSOCIATION 
P. O. Box 6352 
Fargo, ND   58125 

Account Agreement  

This is an agreement and disclosure statement (“Agreement”) between you and U.S 
Bank  National  Association  containing  the  terms  that  will  apply  to  your  Account 
(“Account”)  effective  March  31,  2021.    In  this  Agreement,  “you”,  “your”  and 
“Accountholder”  means  each  individual  accepting  a  solicitation or applying for the 
Account or otherwise agreeing to be responsible for the Account.  “We”, “us”, “our”, a n d 
“the Issuer” means U.S. Bank National Association, the issuer of the Card and your 
Account creditor.   Please read this Agreement carefully and keep it in a safe place to 
make  the  best  use of the Account and credit cards we  may issue with this Account 
(“Card”).  The Agreement becomes effective as soon as you or someone authorized  b y 
you uses or activates the Card or Account. Even if the Card or Account has not been 
used or activated, the Agreement becomes effective unless you contact us within 30 
days after you receive the Card by calling the number on the back of the Card to cance l  
your Account.  This web Agreement does not replace the Agreement that is provided with 
the Account and Card.    

This  Agreement  contains  an  arbitration  provision  (including  a  class  action 
arbitration  waiver).  It is important that you read the entire Arbitration Provision 
section carefully. 

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT 

1.  Personal  Use:  You  may use the Account only for personal, family or household 
purposes.  Federal  or  state  consumer  protection laws may not apply if you use the 
Account for other than personal, family or household purposes.  

2.  Expanded Account Access:  Any card or PIN issued to or selected by you under th i s 
Agreement will access multiple checking, savings, line of credit and credit card accounts 
in your name at U.S. Bank or any of its bank affiliates; and any Account opened under 
this Agreement may be accessed by any card(s) or PIN(s) that you have selected or that 
have been issued to you or may in the future be selected by you or issued to you  b y us 
or our bank affiliates.  “Expanded Account Access” means use of a card or account 
number and PIN to conduct a transaction or obtain information at ATMs or via telephone, 
personal computer banking, or any other available method. Expanded Account A ccess 
may be available for up to 5 checking, 5 savings, and 5 line of credit or credit card 
accounts,  and  at  other  ATMs  and  with  other  available  methods  of  access,  other 
limitations may apply.  

3. Purchases:  You may use the Account to buy, lease or otherwise obtain goods or 
services  from  participating  merchants  (including  transactions  you  initiate  by  mail, 
telephone  or  over  the  Internet), or take advantage of special promotional Balance 
Transfer offers that post as Purchase transactions (“Purchases”).  We will, in connectio n 
with any promotional offer we make from time to time, provide information on your C a r d 
carrier  or  in  additional  materials  (the  “Offer  Materials”) that explain whether those 
transactions will post and be treated as a Purchase. Even if you have not signed a sale s 
draft or the merchant has not supplied you with a written receipt or other proof of sale, 
you are responsible for all Purchases made through your Account, except as exp r essl y 
limited by applicable law (see “Your Billing Rights” section below for more details).  

 4. Advances:   “Advances” are transactions other than Purchases that allow you d i r ect 
access  to  funds  available  through  your  Account.    Advances  may include Account 
transactions  such  as  cash  advances  you  obtain  directly  from  us,  automated teller 
machines (“ATMs”) or other participating financial institutions (“Cash Advances” ) . A TM  
and financial institution Advances include phone (automated phone system and 24 Hour  
customer service assisted) and Internet transfers. Advances also include some Balance  
Transfers, Convenience Checks, FastCash, Overdraft Protection Advances and Cash 
Equivalent Advances.  “Cash Equivalent Advances” include transactions to a cqu i re  o r  
initiate wire transfers, travelers checks, cashier’s checks, money orders, foreign cash 
transactions,  casino  gaming  and  betting  transactions  and  lottery  tickets.    Monthly 
Account  statements  we  issue  may  refer  to  Advances  as  an Advance, Cash, Cash 
Advances, or by the product or device you used to obtain an Advance.  Refer to the 
Account Fees section for details on Advance Transaction Fees. 

5. Advance Limits:  Only a portion of the Credit Limit (defined below) is available for 
Advances and that portion may vary from time to time. Although you may have credit 
available under your  Account, we may be unable to authorize an Advance. You may 
contact Cardmember Service to learn the portion of your Credit Limit which is ava i l ab le  
for Advances. 

6. Checks Issued on the  Account:  We will supply Access Checks and Convenience 
Checks  for  use  by  the  person(s)  or  drawer  named  on  those  checks  (collectively 
“Checks”).  These Checks are drafts that look like other checks, but are drawn on cre d i t 
available  in  the  Account.  Checks  must  be written in U.S. Dollars.  We will honor a 
properly signed Check provided your Account has available credit to cover the amount of 
the Check.  Access Checks are not subject to Advance fees.  From time to time, we may 
supply you with Convenience Checks.  We will, in connection with any Convenience 
Check we provide, include Offer Materials that will explain whether the Convenience 
Check will post and be treated as an Advance or as a Balance Transfer.  We m a y a l so  
return a Check unpaid if:  
(a) the credit available under your Credit Limit is less than the Check amount;  
(b) the Account is in Default; or  
(c)  the  Check  is improperly endorsed  or otherwise fails to conform to our regularly 
accepted standards for check payment.  
Checks  may  not be  used to pay your Account or any obligation you owe us or our 
affiliates. 

7. Paying and Stopping Payment on Checks:  You must write to us or call to request that 
payment be stopped on a Check.  You must call us promptly with an oral stop p aym e nt 
request and then provide us with a written confirmation of the stop payment request 
within 14 calendar days. Any written stop payment request we receive will remain in 
effect for 6 months, unless you renew the request in writing before the end of that ti m e . 
We may pay Checks more than 6 months old. There may be circumstances under which  
a Check must be paid, even if we have received a stop payment request from you. We 
will  not be liable to you if we do not honor your stop payment request under those 
circumstances. If it is determined that a Check should have been paid, but was not, we 
will not be liable for any consequential, punitive or incidental damages if we acted in 
good faith. Our only obligation under those circumstances will be to pay the desig na ted  
payee the amount of the Check and cancel any charges assessed against your Accou nt 
as a result of any wrongful failure to honor the Check.  

8. Balance Transfers: We may permit you to transfer balances and obligations th at yo u  
owe other companies or financial institutions to your Account, subject to the terms and 
conditions disclosed in the Offer Materials (“Balance Transfers”). Balance Transfers w i ll  
post to your  Account and be separately reflected on monthly Account statements as a 
Balance Transfer, or, depending upon the offer, may post to the Account and be treate d  
as a Purchase or an Advance.   We will, in connection with any Balance Transfer offer 
we make, provide you with materials that explain how the Balance Transfer will  p ost to  
your Account and be reflected on monthly Account statements. You may not request 
Balance Transfers on existing obligations you owe us or our affiliates. If you request a 
Balance Transfer that would cause your Account to exceed its Credit Limit, we may, at 
our option, (a) post the entire Balance Transfer requested to your Account; (b) post on l y 
a portion of the Balance Transfer requested to your Account up to the amount o f cr e d it 
available under the Credit Limit; or (c) refuse to process the entire amount of the Balance 
Transfer requested.  

9. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have  
specifically requested and have obtained an Overdraft Protection Plan by linking the 
Account with a designated U.S. Bank personal checking account ("checking acco u nt" ) .  
An "Overdraft Protection Advance" is an advance of funds to your designated ch ecki n g 
account from this Account that will help cover overdrafts on your checking account.  An y 
Overdraft Protection Advance will post and be charged interest as an Advance drawn on  
the Account.  Please refer to the U.S. Bank Deposit Account Agreement (entitled, "Y o ur  
Deposit Account Agreement") for full Overdraft Protection Plan terms and the Consume r 
Pricing Information Brochure for fees that apply for Overdraft Protection Advances.  W e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
may  cancel  Overdraft  Protection  privileges  under the Account, even if the Account 
remains open for other purposes. 

INTEREST CHARGES AND ACCOUNT FEES 

10. Account INTEREST CHARGES:  INTEREST CHARGES reflect the cost of credit. 
Your total INTEREST CHARGE for any billing cycle will equal the amount of any (a) 
periodic  rate  INTEREST  CHARGES  (sometimes  referred  to  as  “interest”  in  this 
Agreement and on monthly Account statements); (b) Advance Transaction Fees; and (c)  
any other transaction fees that are considered INTEREST CHARGES.  

11. Interest Rate:  In this Agreement, we have abbreviated the terms “daily periodic 
rate” as DPR, “average daily balance” as ADB, and “ANNUAL PERCENTAGE RATE”  
as APR.  
(a) Standard Interest Rates-  
Rate for "Purchases" and "Balance Transfers": The DPR  for transactions posting as 
Purchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate for  
"Advances": The DPR and corresponding APR for transactions posting to the Account as 
Advances is equal to 1/365th of its corresponding APR.  

(b) Your Variable APRs are calculated by adding a margin to the Index. Your  V ar i ab l e 
DPR is equal to 1/365th of the corresponding APR. Your DPR and corresponding  A P R 
may increase or decrease from time to time according to the movements up or dow n  o f 
the  Index,  which  is  the  Prime  Rate  published  in  the "Money Rates" section of the 
Midwest Edition of The Wall Street Journal on the last publication day before the date on 
which the billing cycle closed (in other words, the "statement date"). We reserve the right 
to choose a comparable new index if The Wall Street Journal ceases to publish a Pr i m e 
Rate.  The margin is the  percentage we add to the Index to calculate the APR. The 
current applied Index value for your Account is 3.25% .  Any variable rate adjustment 
based on a change to your margin will be effective as of the first day of the current billing 
cycle, and will apply to all new Account balances and transactions subject to that variable 
rate. Any variable rate adjustment based on a change to your Index will be effective as of 
the first day of the current billing cycle, and will apply to all new and outstanding Account 
balances and transactions subject to that variable rate. An increase or decrease to  th e  
Index or margin will apply to Purchase, Advance, and Balance Transfer balances and will 
result  in  an  increase  or  decrease  in  the  INTEREST CHARGE on the Account, an 
increase or decrease to your Minimum Payment, and an increase or decrea se  to  yo ur  
New Balance. 

Introductory and Promotional Rates:  We may, at our option, offer you for a limited 
time  introductory or promotional interest rates for all or part of new  Purchase, Advance, 
or Balance Transfers posted to your Account. We will tell you in the Offer Materials the 
introductory or promotional rate and the period of time during which that rate w i l l  b e i n  
effect and any conditions or requirements of the offer. Unless the Offer Materials state 
otherwise, an introductory or promotional rate will remain in effect until the last day of the 
billing cycle in which the introductory or promotional rate expires. Any introductory or 
promotional rate that applies to new or outstanding Account balances will increase to the 
standard rate that would otherwise apply, or, when appropriate under the term s o f th i s 
Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).    

12.  INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate:  We 
calculate the periodic rate or interest portion of the INTEREST CHARGE by multip l yi ng  
the applicable DPR by the ADB (including new transactions) of the Purchase, Adva nce  
and  Balance  Transfer  categories  subject  to interest, and then adding together the 
resulting  interest  from  each  category.  We  determine  the  ADB  separately  for  the 
Purchases,  Advances  and  Balance  Transfer  categories.  To  get  the  ADB  in  each 
category, we add together the daily balances in those categories for the billing cycle and  
divide  the  result by the number of days in the billing cycle. We determine the daily 
balances  each  day  by  taking  the  beginning  balance  of  those  Account categories 
(including  any billed but unpaid interest, fees, credit insurance and other charges), 
adding any new interest, fees, and charges, and subtracting any payments or credits 
applied  against  your  Account  balances that day. We add a Purchase, Advance or 
Balance Transfer to the appropriate balances for those categories on the later of the 
transaction date or the first day of the statement period. Billed but unpaid interest on 
Purchases, Advances and Balance Transfers is added to the appropriate bal a nce s fo r  
those  categories  each  month  on  the  statement  date.  Billed  but  unpaid  Advance 
Transaction Fees are added to the Advance balance of your Account on the d ate  th e y 
are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance  
charges, and other charges are added to the Purchase balance of the Acco u nt o n  th e  
date they are charged to the Account. Billed but unpaid fees on Balance Transfe r s a re  
added to the Balance Transfer balance of the Account on the date they are ch a r ge d to  
the Account. In other words, billed and unpaid interest, fees, and charges will be included  

in the ADB  of your Account that accrues interest and will reduce the amount of credit 
available to you. Credit insurance charges are not included in the ADB calculation for 
Purchases until the first day of the billing cycle following the date the credit insurance 
premium is charged to the Account. Prior statement balances subject to an interest-fr ee  
period that have been paid on or before the payment due date in the current billing cycle  
are not included in the ADB calculation.  As described above, this Agreement pr ovi d e s 
for the compounding of interest on your Account. 

13.  Paying Interest:  There is no interest-free period for transactions that post to the 
Account except as provided in any Offer Materials. Transactions are subject to interest 
from the date they post to the Account until the date they are paid in full.   

14. Advance Account Fees:  You agree to pay the following Account fees and INTEREST 
CHARGES: 

(a)  We  may  add  an  Advance  Transaction  Fee  INTEREST  CHARGE  to  the 
Advance balance of the Account for each Advance you obtain during a billing cycle 
in addition to the interest that accrues on the Advances. The Advance Transaction 
Fee imposed will equal the greater of either a percentage of each Advance or th e  
minimum dollar amount, subject to the maximum dollar amount.   

15.  Account Fees: 

(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for 
each Promotional Discount you receive during the billing cycle, as outlined i n  a ny 
Offer Materials. 
(b)  Each  year,  the Account may be subject to your payment in advance of an                    
Annual Membership Fee which will compensate us for maintaining and servicing the 
Account for the following year.  This fee will be charged to the Purchase balance o f 
your Account. 
(c) We may add a Late Payment Fee to the Purchase balance of the Account if your 
Minimum Payment is not received by the Payment Due Date shown on the monthly 
Account statement.   
(d) There is no Overlimit Fee on your Account.         
 (e) We may add a Returned Payment Fee to the Purchase balance of the Account 
if any payment on the Account is not honored or if we must return it to you because 
it cannot be processed. A check that is returned unpaid will be sent for collection.  
(f) We will add a Duplicate Documentation Fee to the Purchase balance of the 
Account for each copy of a monthly statement, sales slip, refund slip, or Advance 
slip that you request. There will be no charge for documentation requests ma d e  i n 
connection with a billing error notice, if our investigation indicates a billing error 
occurred. 
(g)  We may add a service charge to the Purchase balance of the Account if you 
call us to make a payment on your Account and are assisted by a Cardmember 
Service  Representative  to  make  the  payment.  You  will  be  provided  with 
confirmation of the service charge before the payment transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of your 
Account if you request a stop payment on a Convenience Check.  (See "Paying and 
Stopping Payment on Convenience Checks" section above for more details.) 
(i)   We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of                  
your Account, except where Offer Materials specify otherwise. 

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

16.  BalanceShield  or  Insurance  Charges:  Your  purchase  of  BalanceShield  debt 
cancellation  or  credit  life  insurance  and  disability  is optional.  Whether or not you 
purchase BalanceShield or credit insurance will not affect your application for cr e d it o r  
the terms of any existing credit agreement you have with us.  If you elect to purchase 
BalanceShield or credit insurance and are eligible to participate, the monthly program fee 
or premium (at the rate disclosed to you) will be added to the Purchase balance as of the 
closing date of each billing cycle based upon the Account balance (including accrued 
INTEREST CHARGES).The terms of your BalanceShield coverage will be summar i zed  
in the BalanceShield Debt Cancellation Program Agreement, which will be pr o vi de d to  
you upon enrollment. For credit insurance, the terms of your insurance coverage wil l  b e 
summarized in the Certificate of Insurance, which will be provided to you.  

17. Credit Limit:  The Account Credit Limit for your Account is the maximum amount of 
credit available and that you may owe under the Account at any time. You may not 
request or obtain additional Purchases, Advances or Balance Transfers once you  ha ve  
reached your Credit Limit. The initial Credit Limit is shown on your Card carrier an d w i l l  
appear  on  your  monthly  Account  statements.  We  reserve  the  right to review your 
Account at any time and increase or decrease your Credit Limit. You may not i n cr ea se  

 
 
 
 
 
 
 
 
 
 
 
   
 
                  
  
 
 
your Credit Limit by carrying credit balances over the Credit Limit we make avai la b le  to  
you. 

18.  Payment:  You  must  pay  us  in  U.S.  Dollars  with  checks  or  similar  payment 
instruments drawn on a financial institution located in the United States.  We will also 
accept  payment  in  U.S.  Dollars via the Internet or phone or previously established 
automatic payment transaction.  We may, at our option, choose to accept a payment 
drawn on a foreign financial institution. However, you will be charged and agree to  p a y 
any collection fees required in connection with such a transaction. The date you  m ai l  a  
payment  is  different  than  the  date  we  receive  that  payment.  For  purposes  of this 
Agreement, the payment date is the day we receive your check or money order at the 
address  specified  on  your  monthly  Account  statement  or  the day we receive your 
electronic or phone payment.  If you mail your payment without a payment coupon o r to  
an  incorrect  address,  it  may  result  in  a  delayed  credit to your Account, additional 
INTEREST CHARGES, fees, and possible suspension of your Account.  

19. Minimum Payment: Each month, you must pay at least the Minimum Payment and 
any past due Minimum Payment(s) by the Payment Due Date shown on your monthly 
Account statement. You may, at your option, pay more than the Minimum Payment or 
pay the New Balance (as stated on your monthly Account statement) in full to reduce o r  
avoid  the  INTEREST  CHARGE  for  the  Account.  Your  Minimum  Payment  will  be 
calculated as follows:  first, we determine the “Base Minimum Payment,” which is the 
greater of $50.00  or 1% of your New Balance not including items (1) and (2) below, 
which, if not a whole dollar amount, will be rounded to the next highest dollar.  To the 
Base Minimum Payment, we may add one or more of the following items, as incurred on  
your  Account:  (1)  any  late,  annual  and/or  any  other  Account  related  fee,  (2)  the 
INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of th e  
balance amount over your Credit Limit. If the resulting Minimum Payment is greater than  
$50.00, the total, if not a whole dollar amount, is then rounded to the next highest dol l a r 
not to exceed your New Balance. Any Minimum Payment or additional amount yo u  p ay 
each month will not prepay any future Minimum Payments required, or change your 
obligation  to  make  at  least  a  Minimum  Payment  by  the  Payment  Due  Date.  Any 
statement  credit  that  results  from  a  promotional  offer  or  rewards  redemption,  if 
applicable, will only be applied to the Account balance and not satisfy any portion of th e  
Minimum Payment requirements for this Account.  

20. Payment Application:  If we cannot collect on your check or other payment item  yo u  
send us to pay on your Account, we may post as an Advance transaction an amount 
equal to the credit previously given to you for such check or payment item and w e  m a y 
charge interest on this amount from the date your Account originally was credited for the  
payment. After a payment has been made, we reserve the right to withhold available 
credit in the amount of the payment for 7 business days. Any credit available before  th e 
payment is made will continue to be available for use during this time. 

21. Skip Payment Option:  We may, at our option, occasionally offer you an opportu ni ty 
to skip your obligation to make the Minimum Payment due. You may not skip paym e n ts 
unless we make this offer to you.  If we offer you an opportunity to skip a payment m o r e 
than once in a 12 month period, you will not be permitted to skip payments r eq u ir e d i n  
consecutive  months.  You  cannot  accept  a  skip  payment  offer  if  your  Account  is 
delinquent,  or  is  in  Default. When you take advantage of a skip payment offer, the 
interest will continue to accrue on the entire unpaid balance of your Account.  

22.  Change  of Address:  Your monthly Account statements and notices about your 
Account will be sent to the address you provided in your application or your response to  
our Account solicitation. To change your address, you must call or write to us.   We must 
receive this information 21  days before the date a billing cycle closes to provide your 
monthly Account statement at your new address. If you have an address change w i th in  
45 days of the expiration date of your Card(s), please contact Cardmember Service with  
your new address so your new Card(s) can be mailed to your new address. We may also 
update your address in our records without a request from you if we receive an addr e ss 
change notice from the U.S. Postal Service or if we receive updated address information  
from our mail services vendor. 

23.  Authorized Users: You agree not to allow access to your Card, Account number, 
Convenience Checks, or personal identification number (PIN) to anyone else to use your 
Account, except by asking us to issue a card to grant Account access to another person.  
If you allow access to your Card or Account information, you will be liable for any charges 
made by that person, unless and except as expressly required by applicable l aw .  Y o u  
agree to be responsible for all Account transactions made by a Accountholder , or anyone 
who you have authorized by (a) asking us to issue a Card to grant Account access to 
another person; (b) lending your Card to or allowing Account access by another perso n; 
or (c) any other way in which you would be legally considered to have allowed a n oth e r 

person to use your Account or to be legally prevented from denying that you did so.  B e 
cautious when allowing another person to become an authorized user of your Accou n t; 
once you allow authority to any authorized user you cannot limit that authority unless the  
Account is closed to future transactions.  You, as a primary or joint Accountholder m u st 
call or write us with any request to cancel and remove a person’s authority. We w i l l n o t 
provide any Account information to anyone other than you and any Authorized Users.  
Authorized Users have no right to make any Account changes or inquiries. 

24.  Lost  or  Stolen  Card  or  Other  Information:  You  must  notify  us  immediately  by 
telephone or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there 
is possible unauthorized use of your Card, Account, or PIN. You will not be liable for 
unauthorized use of your Account.  If this happens, we will ask you and all other persons 
given Account access to return all Cards and unused Convenience Checks to us. In 
addition, we have the right to close your Account and open a new Account. If we d o  so , 
new Cards will be issued.  If requested, we may issue a new PIN and new Convenien ce 
Checks for your new Account. 

25.  Using Your Card for International Transactions: You may use your Card for retail 
Purchases at foreign merchants and for cash withdrawals from foreign ATMs th a t b ea r  
either the PLUS System or the Visa logo.  Some merchant and ATM transactions, even if 
you and/or the merchant or ATM are located in the United States, are considered foreign 
transactions under the applicable Visa rules, in which case we will add the Foreign 
Transaction Fee  INTEREST CHARGE described  in this section to those transactions.  
We do not control how these merchants, ATMs, and transactions are classified for this 
purpose.  The exchange rate in effect when the transaction is processed may differ fro m  
the  rate  in  effect  on  the  date  of  the  transaction  or  the  date  of  the  posting  of the 
transaction to your Account. 

If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS 
System logo), the transaction will be processed through the Visa system and will be 
converted to U.S. Dollars according to the applicable rules established by Visa from time 
to time.   Currently, the currency conversion rate used by Visa to determine the fo r ei g n 
currency transaction amount in U.S. Dollars is determined by multiplying the amo un t o f 
the foreign currency transaction times (a) a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or (b) the government-mandated rate  i n 
effect for the applicable central processing date.  If your foreign transaction is in fo r e ig n 
currency  prior  to  being  processed by Visa, we will add a Foreign Transaction Fee 
INTEREST  CHARGE  of  3.00%  of  the  Purchase  transaction  or  3.00%  of the ATM 
transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being 
processed  by  Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of 
3.00% of the Purchase transaction  or 3.00% of the ATM transaction.  If you use your 
Card  at  an  ATM  that  bears  only  the  PLUS  System  logo  (and  no  Visa  logo), the 
transaction will be processed through the PLUS System and will be converted into  U .S . 
Dollars at the exchange rate established, from time to time, by the operator of that ATM.  
To the converted transaction we will not add a Foreign Transaction Fee INTEREST 
CHARGE. 

If you use your Card at an ATM that bears both the Visa and PLUS System logos, the 
ATM operator will determine whether to send your transaction over the Visa or PLUS 
System network using such network’s respective currency conversion rules then in effect 
(as explained above).   

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

26.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances, Balance 
Transfers, INTEREST CHARGES, Account Fees and charges, any other transaction 
charges as provided in this Agreement and, to the extent permitted under applicable law, 
attorneys fees and collection costs we incur enforcing this Agreement against you. Th i s 
is the case even if your Account is only used by one of you, or is used by someone 
authorized by only one of you. If there is more than one Accountholder, each of you is 
responsible, together and separately, for the full amount owed on your Acco un t.  Y o u r 
obligation to pay the Account balance continues even though an agreement, divorce 
decree,  court  judgment,  or  other document to which we are not a party may direct 
another person responsible to pay the Account.   

27. Intent to Repay:  Every time you use your Account, you represent to us that you 
intend  to  and  have  the  ability  to  repay  your  Account  obligations.  We  rely on this 
representation every time you use your Account. 

28. Settling a Disputed Balance; Payment in Full:  If you want to settle a disagreement 
with us about any amount you owe by sending a check on which you have written  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
“Payment in Full” or similar language, you must send us a written explanation of the 
disagreement or dispute and any such check to Cardmember Service. (See Your Billing  
Rights section below for complete details.) This address is different than the address you 
use to make Account payments. Writing  “Payment in Full” or similar language on the 
check will not be enough to resolve the dispute. If we collect a check or any payment 
instrument marked “Payment in Full” that you sent to an address other than the one 
provided in this section (such as the address at which you normally make payments), we 
will not have waived our right to collect any remaining amount you owe us under the 
terms of your Account. 

29. Default:  You and your Account will be in Default if:  

(a) we do not receive the Minimum Payment by the Payment Due Date discl o se d 
on the monthly Account statement; 
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Accountholder; 
(d)  you  become  insolvent,  assign  any  property  to  your  creditors,  or  go into 
bankruptcy or receivership; 
(e)  you  have  made  false  statements  on  your  Account  application  or  in  the 
maintenance of your Account; 
(f) we have any reason to believe that your Account is in danger of, or is being 
used for fraud; 
(g) you are a married community property state resident and you or we recei ve  a  
written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the risk that 
you will not live up to your payment and other obligations under this Agreement; or 
(j)  this  is  a  joint Account and one of you notifies us that he or she wants the 
Account closed or will no longer be liable on the Account. 
You and your Account will also be in Default if you go over your Credit Limit. 

30. Illegal Purchases:  You agree that you will not use or permit an authorized user to 
use the Card or Account for any unlawful purpose, such as funding any account th a t i s 
set up to facilitate online gambling. 

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

31. Ownership of this Account: Your Card and any other Account access devices that we 
supply to you are our property and must be immediately returned to us or our designated 
agent or otherwise destroyed or surrendered as we instruct.  

32. Changes to your Account:  Account and Agreement terms are not guaranteed for any 
period of time; we may change the terms of your Agreement, including APRs and fees, in 
accordance with applicable law and the terms of your Agreement. Your transactional 
experience with us may also cause a change, including an increase in the margin that i s 
added  to  the Index, an increase in fees, or a decrease in the Credit Limit.  Factors 
considered in determining the increased rate or Credit Limit decrease may include yo u r 
general  credit  profile,  existence,  seriousness  and  timing of the defaults under any 
agreement  that  you  have  with  us, and other indications of the Account usage and 
performance. We will give you notice of any such change in the manner required by law. 
Revised Account terms apply as of the effective date communicated in our notice to yo u 
unless the notice provides you with the right to opt out, and you do opt out, before the 
effective date.   

33. Cancellation of Your Account:  We may cancel your Account or suspend your ab i l ity 
to obtain Account credit immediately, without notice, if your Account is in Default. Even if 
you are not in Default, we may cancel your Account by providing notice to you. You ma y 
cancel your Account by notifying us by telephone or in writing.   If this is a joint Accou n t, 
we will honor a request by either of you to cancel the Account. After the Account is 
cancelled, you will not be able to obtain additional Account credit, except that, (a) the 
Account  may continue to receive recurring charges for items and services until you 
contact and cancel delivery with the company providing the item or service, or (b) und e r 
certain circumstances if you use your Account for a transaction, the transaction m a y b e 
posted to your Account.  After your  Account is cancelled, all amounts outstanding on 
your Account will be due and payable without notice or demand from us. You must cut all 
Cards and Convenience Checks in half and return them to us.  If you do not pay the 
amount you owe under this Agreement, you will be liable for our collection costs including 
our reasonable attorney fees and expenses of legal actions, to the extent permi tte d  b y 
applicable law. 

34. Our Rights if You Are in Default:  If you are in Default, we will give you notice of your  
right to cure the Default as may be required by law. If you do not cure the Default wi th i n 
the time stated in the notice, we may declare the Account balance due and payable. You 

remain responsible for all amounts charged to your Account both before and after receipt 
of such notice. We may also use any other legal right it has. Except where prohibited we  
may charge any amount due against any of your deposit accounts that you have with we 
or its affiliates except for any balance resulting from use of your Bank credit card. If yo u  
Default  by  exceeding  your  credit  limit,  the  excess  may be treated as an Advance; 
however,  it  must  be  repaid  in  full  with  your  next  regular  payment  unless  other 
arrangements are made with we at the time.  

35. Assignment of Your Account to Another Creditor:  We may assign, sell or transfer 
your Account and amounts owed by you to another creditor at any time. If we do, this 
Agreement will still be in effect unless and until amended, and any references m ad e  i n 
this Agreement to “we”, “us”, or “our” will refer to the creditor to which we assigned, so l d  
or transferred your Account or amounts owed under your Account. You may not delegate 
your obligations and responsibilities to us to any third party without our express w r i tte n  
consent. 

OUR LEGAL RIGHTS AND OBLIGATIONS 

36.  Collecting  Credit  Information  about You:  You authorize us to make any credit, 
employment and investigative inquiries we feel are appropriate related to giving you 
credit or collecting amounts owed on your Account. You agree that a consumer credit 
report may be requested periodically from one or more consumer reporting agencies 
(“Credit Bureaus”) and used in connection with your application and any update, renewal 
or extension of credit. We will provide information about you, your Account or your credi t 
history to Credit Bureaus and others who may properly receive that information. 

37.  Credit  Bureau  Disputes:    If  you  believe we inaccurately reported credit history 
information about you or your  Account to a Credit Bureau, write to us at Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166-9801.  

38.  Privacy Pledge and Disclosure of Account Information:  A copy of our Privacy Pledge 
was included with your original Agreement. We also keep copies of our Privacy Pledge in 
financial institution offices and post it on our web site.  Our Privacy Pledge describes how 
we collect, protect and use confidential financial and other information about you and the 
circumstances  in which we might share information about you with members of our 
corporate family and with unaffiliated third parties. Our Privacy Pledge also tells you how 
you  can  (a)  limit the ways we share certain kinds of information about you and (b) 
request corrections to the information we maintain about you. 

39. Refusal to Honor Transactions:  We and our agents are not responsible if anyone 
refuses to honor your Card or a Convenience Check, or if authorization for a par ti cu l ar  
transaction is not given. Although you may have credit available under your Account, w e  
may be unable to authorize credit for a particular transaction. The number of transactions 
you make in one day may be limited, and the limit per day may vary. These restri cti on s 
are for security reasons and as a result we cannot explain the details of how this syste m  
works. If your Account is over the Credit Limit or delinquent, authorization of credit for 
transactions may be declined. We are not responsible for anything purchased with yo ur  
Card or a Convenience Check, except as expressly required by applicable law (see Your 
Billing Rights section below for more details). You must return goods you purchased with 
the Card or Account to the merchant and not to us.  

40. Third Party Offers:  From time to time, third parties may provide you with benefits not 
related to the extension of Account credit. We are not liable for these features, ser vi ces 
and enhancements, as they are the sole responsibility of the third party provider. We 
and/or a third party may add, change or delete entirely these benefits without n o ti ce  o r 
liability to you, to the extent permitted by applicable law. You agree to hold us harml e ss 
from any claims, actions or damages resulting from your use of any of these features, 
services or enhancements, where permitted by applicable law. 

41. Monitoring and Recording Communications: You understand and agree that we, and  
anyone acting on our behalf, may monitor and/or record any communications b etw e e n 
you, or anyone acting on your behalf, and us, or anyone acting on our behalf, for qual i ty 
control and other purposes.  You also understand and agree that this monitoring or 
recording may be done without any further notice to you or anyone acting on your behalf.  
The communications that may be monitored or recorded include telephone calls, cellular  
or mobile phone calls, and any other communications in any form.    

42. Severability:  If a court of competent jurisdiction finds any part of this Agreement 
illegal or unenforceable, the remaining portions of the Agreement will remain in effect a s 
written after any such illegal or unenforceable portion is amended in conforman ce w i th  
applicable law or, if necessary, voided.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
43.  Entire  Agreement:    This  version  of the web Agreement replaces any previous 
versions of the web Agreement. The Agreement, as modified by any change in terms we 
may deliver from time to time in accordance with applicable law, constitutes the entire 
agreement between you and us, and supersedes any prior negotiation, agr ee m en t, o r  
understanding between you and us concerning the subject matter of the Agreement.  

44. Waiver:  We do not give up our rights under the Agreement or applicable l aw  w h e n 
we fail to exercise or delay exercising those rights. Our failure or delay to exercise any 
right or remedy we have against you does not mean that we waive that right. 

45.  Arbitration Provision: 
(a)  You agree that either you or we can choose to have binding arbitration resolve 
any claim, dispute or controversy between you and us that arises from or relates 
to this Agreement or the Account and credit issued thereunder (individually and 
collectively,  a  "Claim").    This  does  not  apply  to  any  Claim  in  which  the  relief 
sought is within the jurisdictional limits of, and is filed in, a small claims court.  If 
arbitration is chosen by any party, the following will apply: 

(1)  NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN 
COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-
ARBITRATION  DISCOVERY,  EXCEPT  AS  PROVIDED  FOR 
IN  THE 
APPLICABLE ARBITRATION RULES.  
(2)    Arbitration  will  only  decide  our  or  your  Claim,  and  you  may  not 
consolidate or join the claims of other persons who may have similar claims.  
YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE 
OR  MEMBER  OF  ANY  CLASS  OF  CLAIMANTS,  OR  AS  A  PRIVATE 
ATTORNEY  GENERAL,  PERTAINING  TO  ANY  CLAIM  SUBJECT  TO 
ARBITRATION.  
(3)    The  arbitration  will  be  performed  in  accordance  with  this Arbitration 
Provision and the rules of the chosen arbitrator in effect when the Claim is 
filed.   
(4)  The arbitrator’s decision will generally be final and binding, except for 
the limited right of appeal provided by the Federal Arbitration Act.  
(5)  Other rights that you would have if you went to court might also not be 
available in arbitration.  

(b)  The party commencing the arbitration may select to use either JAMS or the 
American  Arbitration  Association  ("AAA")  (or,  if  neither  of  these  arbitration 
organizations  will  serve,  then  a  comparable  substitute  arbitration  organization 
agreed upon by the parties or, if the parties cannot agree, chosen by a court of 
competent  jurisdiction).    If  JAMS  is  selected,  the  arbitration  will  be  handled 
according to its Streamlined Arbitration Rules unless the Claim is for $250,000 or 
more, in which case its Comprehensive Arbitration Rules shall apply.  If the AAA is 
selected,  the  arbitration will be handled according to its Commercial Arbitration 
Rules.  You may obtain rules and forms for JAMS by contacting JAMS at 1-800-
352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800-
778-7879 or www.adr.org.  Any arbitration hearing that you attend will take place in 
the  federal  judicial  district  where you reside.  At your request, we will advance 
your filing and hearing fees for any Claim you may file against us. If you prevail on 
your Claim, we will  pay your arbitration costs and fees, other than attorney, expert  
and  witness  fees  and  expenses.    We  will also pay any fees or expenses that 
applicable law requires us to pay.  The arbitrator shall apply applicable substantive 
law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, including 
but  not  limited  to  applicable  statutes  of  limitation,  and  shall  honor  claims  of 
privilege recognized at law.  Judgment upon the award rendered by the arbitrator 
may be entered in any court having jurisdiction.  

(c)  This Arbitration Provision shall survive repayment of your extension of credit 
and termination of your Account.  This Arbitration Provision shall be governed by 
federal law, including the Federal Arbitration Act, and by Ohio law, without regard 
to  its  internal  conflict  of  law  principles,  to  the extent such state law does not 
conflict  with  federal  law  or  this Arbitration Provision. This Arbitration Provision 
shall  not apply to a party who is a covered borrower under the Military Lending 
Act.  Notwithstanding any language of this Agreement to the contrary, should any 
portion of this Arbitration Provision be held invalid or unenforceable by a court or 
other  body  of  competent  jurisdiction,  this  entire  Arbitration  Provision  shall be 
automatically terminated and all other provisions of this Agreement shall remain in 
full force and effect. 

Federal law provides important protections to members of the Armed Forces a nd  th ei r  
dependents relating to extensions of consumer credit. In general, the cost of co n su m er  
credit to a member of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as applicable to the cred i t 
transaction or account: the costs associated with credit insurance premiums; fees for 

ancillary  products sold in connection with the credit transaction; any application fee 
charged (other than certain application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation fees for a credi t ca r d  
account). For a verbal transcript of this disclosure, please call 1-877-292-1682. 

YOUR BILLING RIGHTS 

Keep  this  document  for future use.  This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement: 
If you think there is an error on your statement, call or write to us.   

In your letter or call, give us the following information: 
•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe w h at 

you believe is wrong and why you believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 
1.  Within 30 days of receiving your letter or call, we must tell you that we received 

your letter.  We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter or call, we must either correct the error or 
explain to you why we believe the bill is correct.  While we investigate whether  o r  
not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinque nt 

• 

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 respo nsi b l e 

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 da ys 
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 mu st te l l  
you the name of anyone to whom we reported you as delinquent, and we must l e t 
those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases:  
If you are dissatisfied with the goods or services that you have purchased with your Card, 
and you have tried in good faith to correct the problem with the merchant, you may have  
the right not to pay the remaining amount due on the purchase.  To use this right, a l l  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 tha n $ 50 . 
(Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an 
advertisement we mailed to you, or if we own the company that sold you the goods 
or services.) 
You must have used your credit card for the purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your credit card Account   do 
not qualify. 
You must not yet have fully paid for the purchase. 

2. 

3. 

 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing.  

While we investigate, the same rules apply to the disputed amount as discussed above .  
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

SPECIAL  RULES  FOR  CREDIT  CARD  PURCHASES  DO  NOT  APPLY  TO 
PURCHASES  MADE  WITH  CONVENIENCE  CHECKS  OR  BALANCE TRANSFER 
CHECKS. 

06_USB_LINE_OF_CREDIT