Zions Direct® Platinum Visa® Credit Card Agreement 

Effective Date 04/05/2011 

1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:  
The following information on interest rates, interest charges, and fees are accurate as of the effective 
date of this Agreement and may have changed after that date. To find out what may have changed, call 
us at 1-888-758-5349. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

8.25%  

The APR will vary with the market based on the Prime Rate.  

APR for Cash Advances 
and Quasi Cash 
Transactions 

19.24%  

The APR will vary with the market based on the Prime Rate.  

APR for Balance 
Transfers 

19.24%  

Paying Interest  

The APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you any interest on purchases if you pay your entire 
balance due by the due date each month. We will begin charging 
interest on cash advances, quasi cash transactions and balance 
transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1. 

For Credit Card Tips from 
the Federal Reserve 
Board 

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

Fees 

Annual Fee 

None 

Transaction Fees: 

  Cash Advance and 

3% of the amount of the transaction, but not less than $5. 

Quasi Cash 
Transactions 

  Balance Transfer 

2% of the transfer amount but not less than $5 or more than $50. 

 

International 
Transaction 

Penalty Fees: 

2% of the U.S dollar amount of the transaction, whether originally made 
in U.S. dollars or converted from a foreign currency. 

  Late Payment 

Up to $25 

  Returned Payment 

Up to $25 

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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 
provided in your cardholder agreement. 

1.1: Zions First National Bank (“Zions Bank”) is a subsidiary of Zions Bancorporation and a national 
bank that, among other things, issues credit cards to its customers and to customers of Zions Direct, a 
NON-BANK subsidiary of Zions Bank. This CREDIT CARD AGREEMENT (this "Agreement") replaces 
and supersedes any previous Credit Card Agreement and Disclosure Statement (and amendments 
thereto).  

1.2: DEFINITIONS AND PARTIES TO AGREEMENT: The following definitions apply and will help you 
better understand this document: The words “Bank”, “we” or “us” means Zions Bank. “Bank” does not 
include Zions Direct, a non-bank subsidiary of Zions Bank. The words “Agreement” or “Card 
Agreement” refer to this Agreement together with the Card Application and the folder containing the 
Card. The word “Card” refers to the one or more credit cards and the associated card number that the 
Bank has issued with the account number for your Card Account, including any renewal or replacement 
cards. The words “Card Account” refer to the Visa Platinum credit card account governed by the Card 
Agreement between you and the Bank. The words “Card Application” refer to the credit application for 
the Card Account. The words “Credit Limit” refer to the maximum available dollar amount of credit 
authorized by the Bank. The words “Outstanding Balance” refer to the entire amount owing on your 
Card Account at any given time. The words “Cash Back Savings” and “Rebate” refer to the Cash Back 
Rebate program. The words “you” and “your” refer to the one or more individuals (including the primary 
applicant and any co-applicant) who have received credit from the Bank and who are liable on the Card 
Account.  

1.3: AGREEMENT: This Agreement documents the agreement between you and the Bank regarding 
your Card Account. This Agreement contains important information that you should review carefully and 
keep in your records. This Agreement becomes effective on the earlier of (1) 15 days after the Bank 
sends you the Card, or (2) your first use of the Card or Card Account. Any use of the credit associated 
with your Card Account constitutes your acceptance of the terms of this Agreement. If you do not wish to 
be bound by this Agreement, you must not use (or authorize anyone else to use) your Card or Card 
Account and you must cancel your Card Account within 15 days after receiving the Card. 
1.3.1: Integrated Agreement: You agree that the Card Agreement is a final written expression of the 
agreement between you and the Bank and that the Card Agreement may not be contradicted by evidence 
of any alleged oral agreement. 
1.3.2: Severability: The provisions of the Card Agreement are severable to the extent that any provision 
hereof held to be prohibited or unenforceable in an applicable jurisdiction shall not invalidate the 
remainder of the Card Agreement in that jurisdiction and shall be fully enforceable in any other jurisdiction 
not expressly prohibiting such provision. 
1.3.3: Delay in Enforcement: The Bank may exercise its rights under the Card Agreement immediately 
or, at the Bank's sole discretion, may decline to enforce or delay in enforcing any such rights without 
losing, waiving, or impairing them. 
1.3.4: Assignment and Binding Effect: You may not sell, assign, or transfer the Card Agreement or 
your Card Account or any portion thereof without the express prior written consent of the Bank. The Bank 
may sell, assign, or transfer the Card Agreement or your Card Account or any portion thereof without 
notice to you. Subject to the foregoing, the Card Agreement shall be binding upon the heirs, 
representatives, successors, and assigns of the parties hereto. 

1.4: AMENDMENT OF THIS AGREEMENT: The Bank may amend this Agreement by changing, 
adding or deleting any term, condition, service or feature (“New Term”) of your Account or of this 
Agreement at any time. The Bank will provide you with notice of the amendment to the extent 
required by law. Unless we state otherwise, any New Term may apply only to new activity on your 
account. If the amendment includes any change for which we need your consent, we will obtain 
your consent before that New Term becomes effective. If we need to do so, we may obtain your 
consent in any one or more of the following ways: (a) by your usage of the Account after we give 
you notice of the amendment; (b) by your failure to write us on time if we request that you write us 
to reject a New Term; or (c) by your affirmative agreement which may be obtained verbally, in 
writing or electronically. 

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1.4.1: If you do not agree to the Amendment: You must notify the Bank in the manner provided with the 
amendment within 25 days after the effective date of the change, and the Bank may close your Card 
Account and may elect to have you pay the Outstanding Balance as provided by law. Otherwise, you 
shall be deemed to have agreed to the change(s) in the Bank’s notice. Use of the Card after the effective 
date of the change shall be deemed to be your acceptance of the new terms. 
1.4.2: Any other term in the amendment will become effective without your consent, although you 
may be able to avoid a fee or charge by not making the type of transaction to which it applies after 
the effective date of the amendment. 

1.5: CREDIT LIMIT: The Credit Limit on your Card Account is disclosed on each monthly statement (your 
initial Credit Limit appears on the folder containing the Card). You agree not to use or allow anyone else 
to use the Card or your Card Account in any way that would cause the Outstanding Balance to exceed 
your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Credit Limit. The 
Bank may increase or decrease your Credit Limit at any time and will notify you of such change. In 
addition, you may request a change in your Credit Limit by writing to the address shown on your monthly 
statement or by calling 1-888-758-5349 during business hours (8:00 a.m. to 5:00 p.m. Mountain Time, 
Monday through Friday, excluding holidays). 

2.0: THE CARD: 
2.1: Signature Panel: For your protection, the back of the Card contains a signature panel which should 
be signed before the Card is used. 
2.2: Card is Bank Property: The Card is the property of the Bank and must be returned to the Bank if 
the Bank so requests. Also, the Bank can at any time and without cause and without notice, revoke the 
right to use the Card. If a merchant or a financial institution where the Card is attempted to be used asks 
for the surrender of the Card, it must be surrendered immediately. 
2.3: Expiration: The Card will not be valid after the expiration date printed on the front of the Card and it 
must not be used after that date. 
2.4: Renewal and Replacement Cards: The Bank will continue to issue renewal or replacement Cards 
until the Bank revokes the right to use the Card or until your Card Account is closed. 
2.5: Additional Cards: You may request additional Cards at no additional cost for members of your 
family or for others you authorize to use your Card Account. However, you are responsible for all charges 
to your Card Account made by such persons. 

3.0: AVAILABLE TRANSACTIONS: Subject to the restrictions described herein, the Card and your Card 
Account may be used in any of the following transactions: 
3.1: Purchases: The Card may be used to purchase goods or services wherever the Card is honored. 
3.2: Cash Advances: Subject to your available Credit Limit, the Card may be used to obtain cash 
advances or make a quasi cash transaction from your Card Account (1) in person at the Bank or any 
participating financial institution or (2) at any ATM in the Bank network or any of the other participating 
ATM networks (the names of which are shown on the back of the Card), subject to the following limitation 
(certain ATMs may have other limits): the total dollar amount of such ATM cash advances plus all cash 
withdrawal electronic fund transfers made during any calendar day (from midnight to midnight) may not 
exceed $500 for each card issued with your Card Account number. Each cash advance or quasi cash 
transaction will create a charge to your Card Account. 
Use of your Credit Card to withdraw cash from ATM’s located outside of the Unites States creates a cash 
advance from and charge to your Card Account even if you select withdrawal from checking or savings 
account or any other type of account. 
3.3: Electronic Online Cash Advances: Subject to your available Credit Limit, the Card may be used to 
obtain electronic online cash advances from your Card Account. Based on risk, we reserve the right to 
limit electronic online cash advance access at the sole discretion of the Bank. Each electronic online cash 
advance is subject to a Cash Advance Transaction Fee. 
3.4: Balance Transfers: Subject to your available Credit Limit, you can request a balance transfer to 
your Card Account. You may not use a balance transfer to pay off any other accounts you have with the 
Bank. You may only make a balance transfer to accounts that list you as an account holder. Allow 4 to 6 
weeks to process your balance transfer request, during which time you should continue to make 
payments to those accounts. You will not earn any Cash Back Rebates on a balance transfer.  
3.5: ATM Transfers: The Card may also be used to make transfers at the ATMs described above, 
electronic transfers to or from your checking account, savings account or other consumer asset account 
you may have at the Bank (subject to the Bank's rules, regulations and agreements governing such 
accounts, which you should have already received and which are incorporated herein). Transfers from 

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your Card Account to your checking account, savings account or other consumer asset account will be 
treated as a cash advance subject to a Cash Advance Transaction Fee. 
3.6: Internet Transactions: Enrollment in the Verified by Visa program is required after 3 Internet 
purchases. In order to make transactions over the Internet merchants may request your Verified by Visa 
password to complete the transaction. If a password is not provided the merchant may deny the 
transaction. If the password is incorrect we may deny the transaction. By allowing another person to use 
your Verified by Visa password you are authorizing transactions by that person on your Card Account. 
3.7: Internet Gambling Notice: Restricted transactions are prohibited from being processed through this 
account or relationship. Restricted transactions generally include, but are not limited to, those in which 
credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in 
connection with the participation by others in unlawful Internet gambling.  

4.0: CASH BACK SAVINGS: You will accrue a 1% Cash Back Rebate (“Rebate”) for each dollar of 
qualifying net purchases charged to your Account during each billing cycle that the Account is open, 
current, and no payment is past due. Transactions excluded from receiving Rebates include: cash 
advances, balance transfers, ATM transactions, unauthorized charges, fraudulent charges, fees, interest 
charges, foreign cash transactions, casino gaming and betting transactions and lottery tickets.  
To receive Rebates you must maintain a NON-RETIREMENT Zions Direct account with the same 
accountholder(s) as the credit card account. Each time your accrued Rebate(s) reaches a $50 threshold 
your non-retirement Zions Direct account will be credited subject to the following: a Rebate will not be 
awarded if: (1) your non-retirement Zions Direct account is not in good standing or is closed; or (2) for any 
billing cycle your credit card account is closed, not in good standing or not current on the closing date for 
that billing period. There is no earnings cap on the amount of cash back. Accrued Rebates not paid will 
expire five years after the statement closing date of the billing cycle in which they accrued. You are solely 
responsible for any taxes related to or arising out of your participation in this program. Rebates will be 
treated as a Bank credit to your non-retirement Zions Direct account and will not qualify as a payment on 
your credit card account. 
We may reverse a Rebate by debiting your accrued Rebate for returned merchandise or for any 
unauthorized purchase, and we reserve the right to reverse a Rebate and/or cancel benefits if we 
reasonably believe that a purchase was not returned by you and/or was not a bona fide purchase of 
goods or services delivered or performed by a merchant. 
The Bank reserves the right to amend, cancel or change the Cash Back Savings program at any time for 
any or no reason with or without notice to you. 

5.0: MONTHLY STATEMENTS: The Bank will send you (or one of you) a monthly statement 
summarizing each transaction on your Card Account during the preceding billing period. Your monthly 
statement will show the total amount you owe as of the end of the billing period, including any interest 
charges, fees, the minimum payment due and the payment due date, which date is at least 25 days from 
the monthly statement closing date. It also shows your current Credit Limit. The Bank will mail or deliver 
your monthly statement to only one address. Preservation of your rights under federal law regarding 
resolution of billing errors depends upon your timely recognition of potential errors, as explained in “Billing 
Rights Summary” notice at the end of this Agreement. 

6.0: HOW THE NEW BALANCE IS DETERMINED: The total amount that you owe the Bank at the end of 
the current billing period appears as the “New Balance” on the monthly statement. The Outstanding 
Balance at the end of the previous billing period is called the “Previous Balance”. The New Balance is 
determined by taking the Previous Balance and (1) subtracting any payments and credits received by the 
Bank during the current billing period and then (2) adding any purchases, cash advances, quasi cash 
transactions, balance transfers, interest charges, fees, and other adjustments. 

7.0: PAYMENTS: You promise to pay the Bank according to the terms of this Agreement the entire 
amount owing hereunder. You agree to make all payments in U.S. Dollars drawn on funds on deposit in 
the United States (however, the Bank may at its option choose to accept payments made in foreign 
currency or made by drawing on funds on deposit outside the United States, in which case you agree to 
pay all conversion fees and bank collection fees incurred by the Bank, which amounts will be treated as 
purchase items). Do not send cash payments. 
7.1: Payment Due Date: The payment due date on your Account will be the same date each month and 
your payment will be due by 5:00 p.m. in the manner and location specified on your billing statement. 
7.2: Amount of Minimum Payment: If the New Balance is less than $30, the minimum payment is the 
full amount of the New Balance. If the New Balance is $30 or more, the minimum payment is the total of 
two figures: the first is any past due amount; the second is the sum of the greater of $30 plus late fees, or 

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the combined total of 2.5% of the New Balance plus interest charges and late fees. You shall make (and 
the Bank shall have received at the address designated on your monthly statement) on or before 5:00 
p.m. on the due date the minimum payment shown on your monthly statement (or, at your option, any 
greater amount up to the Outstanding Balance). Receipt of your minimum payment at any address other 
than that designated on your monthly statement may create a delay in posting the minimum payment to 
your Card Account and may thereby result in a late fee and additional interest charges. 
Making only the minimum payment will increase the amount of interest you pay and the time it 
takes to repay your balance. 
7.3: Application of Payments: The amount of payments credited to your Account during a billing period 
will be applied first to unpaid interest charges, then to any late payment fee, then to the balance having 
the highest APR, and then to each successive balance bearing the next higher APR until the payment is 
exhausted. Balances having the same APR will be paid beginning with the oldest balance first. Payment 
for more than the minimum payment amount (but not more than the Outstanding Balance) will be 
accepted as a single payment for that billing period; the amount in excess of the minimum payment will 
not be applied toward future payments due. 
7.4: Acceptance of Partial or Nonconforming Payments: The Bank may accept late payments, partial 
payments or any payment marked with any kind of restrictive endorsement (such as “paid in full” or “in 
settlement”) without giving effect to the restrictive endorsement and without losing, waiving, or impairing 
any of the Bank's rights under this Agreement or under applicable law. 
7.5: Delay of Available Credit: We credit payments to your account on the day we receive them 
however, we reserve the right, based on risk, to delay the available credit resulting from those payments. 
7.6: Prepayment: You may repay all or any portion of the Outstanding Balance at any time without 
penalty. 

8.0: DEFAULT: If the minimum payment is not received at the proper address on or before the payment 
due date, or if you fail to honor any other obligation under this Agreement, or if you die, file for 
bankruptcy, or become insolvent or generally unable to pay your debts, or if you have furnished false or 
misleading information on the Card Application, or if you are in default under any other obligations you 
may owe to the Bank, or if the Bank reasonably believes that you are unable or unwilling to honor all of 
your obligations under this Agreement, the Bank may declare the Outstanding Balance immediately due 
and payable, may close your Card Account and recover the Card. 

9.0: LEGAL ACTION AND COSTS: Without waiving the Dispute Resolution provisions of this Agreement, 
the Bank may take legal action (including collection action) against you and you agree to pay all collection 
costs whether or not awardable as court costs (including the cost of Bank staff) and reasonable attorney 
fees (including those of salaried Bank employees). If the Bank sues to collect and you win the lawsuit, the 
Bank will pay your court costs and reasonable attorney fees. Also, you agree that regardless of where 
you reside, the Bank may initiate legal action against you in the State of Utah and you hereby submit 
yourself to jurisdiction of the courts therein.  

10.0: INTEREST CHARGES: The following interest charges will apply whether before or after default, 
judgment, or the closing of your Card Account. 
10.1: Periodic Interest Charges: No periodic interest charge on purchases will be assessed if you have 
paid the total New Balance listed on the previous monthly statement in full by the payment due date 
(which is at least 25 days from the monthly statement closing date); otherwise, a periodic interest charge 
will be assessed on each purchase from the date of the purchase transaction. If during the previous billing 
cycle you paid in full by the payment due date, then in the current billing cycle you will have a grace 
period on the amount of any purchase balance in the current billing cycle that is paid by the payment due 
date, based on our payment allocation method.  
A periodic interest charge will be assessed on each cash advance, quasi cash transaction or balance 
transfer from the date of such transaction; there is no grace period within which those transactions can be 
repaid without incurring an interest charge. 
10.2: Periodic Interest Charge Calculation: The total amount of interest charge for a billing period will 
be calculated as follows (interest charges on purchases and interest charges on cash advances, quasi 
cash transactions and balance transfers are calculated separately and then the resulting amounts 
combined to arrive at the total interest charges for the billing period): (1) We first determine the “average 
daily balance” of your account (including new transactions). To get the “average daily balance” we take 
the beginning balance of your account each day, add any new purchases (or cash advances, quasi cash 
transactions or balance transfers) and then subtract any payments or credits. This gives us the daily 
balance (any unpaid interest charges incurred during that billing period are not included in the daily 
balance). Then, we add up all the daily balances for the billing period and divide the total by the number 

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of days in the billing period. This gives us the average daily balance, which is also called the “balance 
subject to interest charge” on your monthly statement; (2) we multiply the balance subject to interest 
charge by the number of days in the billing period; the resulting number is then multiplied by the daily 
periodic rate to determine the amount of interest charge. 
10.3: Minimum Interest Charge: Notwithstanding the above, the minimum INTEREST CHARGE will be 
$1. 

11.0: ANNUAL PERCENTAGE RATES (“APR”) AND DAILY PERIODIC RATES (“DPR”): 
11.1: Prime Rate: The interest rate on your account is subject to change from time to time based on 
changes in an independent index. That Index is the Prime Rate as published in the Wall Street Journal 
(the “Index”). If a range of rates has been published, the highest of the rates will be used. Information 
about the Index is available or published daily in the Wall Street Journal. You acknowledge that the Prime 
Rate as used herein does not mean the lowest rate at which the Bank has made or may make loans to 
any of its customers, either now or in the future. If the Index becomes unavailable the Bank may 
designate a substitute Index. If the Prime Rate changes, resulting in a change in the APR, the change will 
take effect on the first day of your billing cycle the following month. 

The Index for the following is 3.25% as of 04/05/2011: 

11.2: APR for Purchases: The APR which is calculated on the average daily balance is a variable rate. 
The APR in effect throughout a particular billing period will be 5.00% plus the Index in effect on the day 
that precedes by 6 business days the first calendar day of the calendar month in which that billing period 
ends. The DPR will be 1/365 (1/366 for a leap year) of the then current APR. The APR and DPR in effect 
for each billing period are disclosed on the corresponding monthly statement. 
11.3: DPR for Purchases: The DPR is calculated based on the corresponding APR. To determine your 
rate we add 5.00% to the Index (corresponding to an APR of 8.25%) resulting in a DPR of 0.022603.  
11.4: APR for Cash Advances, Quasi Cash Transactions and Balance Transfers: The APR in effect 
throughout a particular billing period will be 15.99% plus the Index. 
11.5: DPR for Cash Advances, Quasi Cash Transactions and Balance Transfers: The DPR is 
calculated based on the corresponding APR. To determine the rate, we add 15.99% to the Index 
(corresponding to an APR of 19.24%) resulting in a DPR of 0.052712.  
11.6: Effect of Change in Rate: All other factors being equal, and subject to the method by which the 
minimum payment is calculated (as described above), an increase in the APR will increase the minimum 
payment, and a decrease in the APR will decrease the minimum payment. 

12.0: FEES: We charge the following fees: 
12.1: Cash Advance and Quasi Cash Transaction Fee: Each new cash advance or quasi cash 
transaction will be assessed a one-time fee equal to 3% of the amount of the transaction, but never less 
than $5.00. (This fee is added to the balance of each such transaction.) 
12.2: Balance Transfer Fee: Each new Balance Transfer will be assessed a fee equal to 2% of the 
transaction amount but not less than $5.00 or more than $50.00. (This fee is added to the balance of 
each such transaction.) 
12.3: Annual Membership Fee: None 
12.4: Late Payment Fee: If the minimum payment shown on your monthly statement is not received at 
the proper address on or before the payment due date, there will be a Late Payment Fee equal to your 
minimum payment due but no more than $25.  
12.5: Returned Payment Fee: If any check or other payment on your Card Account is dishonored or 
must be returned because it cannot be processed, there will be a fee equal to the amount of the minimum 
payment due but no more than $25. (This fee is treated as a purchase item.) 
12.6: International Transaction Fee: Each international transaction will be assessed a fee of 2% of the 
U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign 
currency. If you incur a charge in a foreign currency, the charge will be converted into a U.S. Dollar 
amount by Visa International. Currently, the currency conversion rate used is either a wholesale market 
rate or a government mandated rate in effect one day prior to the date the transaction is processed by 
Visa International plus two percent (2%) of the U.S. dollar rate. The currency conversion rate in effect on 
the processing date may differ from the rate in effect on the transaction date or the posting date. (This fee 
is added to the balance of each such transaction.) 
12.7: Research Fee: For research that you request on your Card Account (unless such research involves 
an allegation of a billing error made by the Bank), there will be a research charge of $15 per hour, plus $5 
per photocopy. (These fees are treated as purchase items.) 

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12.8: Expedited Card Delivery or Emergency Card Fee: If you request the Bank to provide “expedited 
card delivery” (which requires the services of an outside delivery service provider) or you request to 
personally obtain an “emergency card” (which requires special card production) at our Bankcard Center, 
you agree that we may charge a fee up to $75 for this service. (This fee is treated as a purchase item.) 

13.0: JOINT ACCOUNT: If your Card Account is in the name of more than one person, each and every 
such person shall be jointly and severally liable for the full Outstanding Balance, including without 
limitation any amount in excess of your Credit Limit. In addition, except as otherwise required by 
applicable law, you agree that all monthly statements and notices regarding your Card Account may be 
sent to any one of you. 

14.0: INTERPRETATION; EFFECT: 
14.1: Duration: Except for your right to use the Card and to make charges to your Card Account (which 
right expires when your Card Account is closed); all other provisions of the Card Agreement shall remain 
in full force and effect until your Card Account is closed and your Outstanding Balance is paid in full. 
14.2: Headings: The headings used in this Agreement are for convenience only and shall have no 
bearing on the interpretation of this Agreement. 
14.3: GOVERNING LAW:THE CARD AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN 
ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND OF THE STATE OF UTAH 
REGARDLESS OF WHERE YOU MAY RESIDE OR USE YOUR CARD. 

15.0: DISCLOSURES OF INFORMATION: You acknowledge and consent to the release of personal data 
about you by the Bank to Visa U.S.A., its Members, or their respective contractors for the purpose of 
providing emergency cash and emergency card replacement services. 

16.0: RESTRICTIONS ON USE OF CARD ACCOUNT: Only the individual named on the Card is 
permitted to use it for charges, identification, or any other reason. 
16.1: No Illegal Purpose: The Card or Card Account shall not be used for any illegal purpose. You also 
agree not to use your Card or Card Account to gamble on the Internet or for any transaction that violates 
applicable law. We may block or refuse to approve any transaction that we believe may violate this 
provision. 

17.0: LIABILITY FOR OBLIGATIONS: 
17.1: Your Liability: You shall be liable for the full amounts of your Outstanding Balance regardless of 
the purpose whether for business purposes or for personal, family or household purposes of any of the 
charges made with the Card. Your liability shall also include all charges regardless of the purpose made 
by any person to whom you have given express or implied permission to use the Card or Card Account or 
has voluntarily provided the Card or Card number.  
17.2: User’s Liability: In addition to and not in lieu of your liability as set forth above, each User shall be 
jointly, and severally liable with you for all amounts resulting from: (a) all charges made by User for 
personal, family, or household purposes; and (b) all charges made by any person to whom that User has 
given express or implied permission to use the Card or Card Account or has voluntarily provided the Card 
or the Card number, regardless of the purpose of any such charge. 

18.0: LIABILITY FOR UNAUTHORIZED USE: If your Card or Card Account number are lost or stolen, or 
if you think that someone used or may use them without permission, you agree to notify the Bank 
immediately by calling 1-888-758-5349. You may need to provide the Bank with certain information in 
writing to help the Bank determine what happened. You are not liable for loss, theft, or unauthorized use 
of your Card or Card Account if you notify the Bank of any fraudulent transactions. 
18.1: Liability for Unauthorized ATM Transactions: You are not liable for unauthorized use of your 
card for ATM transactions if you notify the Bank within two business days. In any case, your liability will 
not exceed $50. 

19.0: REFUSAL OF THE CARD: The Bank will not be responsible or liable in any manner for any of the 
following or for any claim of whatever nature (including without limitation any claim for incidental or 
consequential damages) arising from or related to any of the following: the refusal or delay of any other 
financial institution, any merchant, or any person to honor the Card or your Card Account; any goods or 
services obtained with the Card and charged to your Card Account (except as and only to the extent 
provided in “Billing Rights Summary” notice at the end of this Agreement); any unsuccessful attempt to 
obtain prior credit authorization for any transaction when the authorization system is not working, or any 

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unsuccessful attempt to use the Card in an ATM when the ATM or ATM network is not working or is 
temporarily closed or out of order. 

20.0: FINANCIAL AND CREDIT INFORMATION: 
20.1: Financial Statements: The Bank may need updated financial information from you at some time in 
the future. If the Bank asks, you agree to furnish a current financial statement or to update the Card 
Application. 
20.2: Credit Reports: You hereby authorize the Bank to make whatever credit inquiries or investigations 
about you that the Bank deems appropriate and to disclose to others credit information about your Card 
Account and your performance under this Agreement. The Bank may ask credit bureaus for reports of 
your credit history; at your request, the Bank will tell you whether or not the Bank has requested such 
reports and will tell you the names and addresses of the credit bureaus furnishing the reports. 
20.3: Negative Credit Reporting: You are hereby notified that we may report information about 
your account to credit bureaus. Late payments, missed payments, or other defaults on your 
account may be reflected in your credit report. 
20.4: Notify us of inaccurate information we report to credit bureaus: Please notify us if we report 
any inaccurate information about your account(s) to a credit bureau. Your written notice describing the 
specific inaccuracy should be sent to us at the following address: Zions Bank BankCard Services, P.O. 
Box 25787, Salt Lake City, UT 84125  

21.0: CHANGE OF NAME OR ADDRESS: You agree to promptly notify the Bank in writing if you change 
your name, home address, or mailing address. 

22.0: CLOSING YOUR CARD ACCOUNT: You may close your Card Account at any time by notifying the 
Bank in writing. The Bank may close your Card Account at any time without cause and without notice. 
When your Card Account is closed (whether by you or the Bank), your right to use the Card and to make 
charges to the Card Account will be automatically revoked. 

23.0: DISPUTE RESOLUTION PROVISION. This Dispute Resolution Provision contains a jury 
waiver, a class action waiver, and an arbitration agreement (or judicial reference agreement, as 
applicable), set out in four Sections. READ IT CAREFULLY.   

23.1: SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES: 
23.1.2: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution 
Provision shall supersede and replace any prior “Jury Waiver,” “Judicial Reference,” “Class 
Action Waiver,” “Arbitration,” “Dispute Resolution,” or similar alternative dispute agreement or 
provision between or among the parties. 

23.1.3: “DISPUTE” DEFINED. As used herein, the word “Dispute” includes, without limitation, any claim 
by either party against the other party related to this Agreement, your Card or Account. In addition, 
“Dispute” also includes any claim by either party against the other party regarding any other 
agreement or business relationship between any of them, whether or not related to the Loan or 
other subject matter of this Agreement. “Dispute” includes, but is not limited to, matters arising from or 
relating to a deposit account, an application for or denial of credit, warranties and representations made 
by a party, the adequacy of a party’s disclosures, enforcement of any and all of the obligations a party 
hereto may have to another party, compliance with applicable laws and/or regulations, performance or 
services provided under any agreement by a party, including without limitation disputes based on or 
arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a 
party hereto.   
If a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, 
junior lienholder or title company), each party hereto agrees to consent to including that third party in any 
arbitration or judicial reference proceeding for resolving the Dispute with that third party. 

23.1.4: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in 
connection with any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless 
submitted to binding arbitration pursuant to Section 2 or judicial reference pursuant to Section 3. 

In any lawsuit regarding a Dispute (a “Lawsuit”), following the service of a complaint, third-party 
complaint, cross-claim or counterclaim or any answer thereto, any amendment to any of the above, or a 
ruling or entry of an order that has the effect of invalidating jury trial waiver (any of the foregoing, an “ADR 
Event”), then at any time prior to trial of the Dispute, but not later than 30 days after the ADR Event, 

8

 
 
 
 
 
 
 
 
 
any party shall be entitled to move the court for an order, as applicable: (A) compelling arbitration and 
staying or dismissing the Lawsuit pending arbitration (“Arbitration Order”) under Section 2 hereof, or (B) 
staying the Lawsuit and compelling judicial reference under Section 3 hereof.  Each party agrees that a 
party that commenced or participated in the Lawsuit may demand arbitration of a Dispute after an ADR 
Event, and that the commencement or participation in the Lawsuit shall not operate as a waiver of the 
right to compel arbitration. After entry of an Arbitration Order, the non-moving party shall commence 
arbitration. The moving party shall, at its discretion, also be entitled to commence arbitration but is under 
no obligation to do so, and the moving party shall not in any way be adversely prejudiced by electing not 
to commence arbitration. 

23.1.5: CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate 
any Dispute as a class action (either as a member of a class or as a representative) or to act as a 
private attorney general. The waiver in this paragraph applies whether the proceeding is in a 
court, in an arbitration, or in a judicial reference proceeding.  

23.1.6: SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or 
expiration of this Agreement, or any other relationship between the parties.   

23.2: SECTION 2: AGREEMENT TO SUBMIT TO BINDING ARBITRATION (EXCEPT CALIFORNIA). 
This Section 2 is an agreement to submit to binding arbitration of any Dispute between the 
parties.  This Section 2 shall not, however, apply to any Dispute pending in a state or federal court 
located in the State of California, except to the extent such Dispute may also be pending in a state or 
federal court located outside of California. 
Each party agrees that it, he or she shall have the right, but no obligation, to require any Dispute between 
the parties be resolved by arbitration. An arbitrator shall have no authority to determine matters (i) 
regarding the validity, enforceability, meaning, or scope of this Dispute Resolution Provision, or (ii) class 
action claims brought by either party as a class representative on behalf of others and claims by a class 
representative on either party’s behalf as a class member, which matters may be determined only by a 
court without a jury. BY AGREEING TO RESOLVE FUTURE DISPUTES IN ARBITRATION, THE 
PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT. 
Arbitration under this provision shall be conducted before a single arbitrator through either the National 
Arbitration Forum (“NAF”) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the 
initiating party, in accordance with the rules of NAF or JAMS (the “Administrator”). However, if the parties 
agree, a licensed attorney may be selected by the parties to conduct the arbitration without an 
Administrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and if the parties are 
unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then either 
party may file a Lawsuit and move for an Arbitration Order. The arbitrator, howsoever appointed, shall 
have expertise in the subject matter of the Dispute. Venue for the arbitration proceeding shall be as 
stated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absent 
such a provision, the arbitration shall be conducted at a location determined by mutual agreement of the 
parties or by the Administrator if no agreement can be reached. The arbitrator shall apply the law of the 
state specified in the agreement giving rise to the Dispute. 
In any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay 
one half of the Administrator's initial filing fee, up to $500. If Lender or Bank commences arbitration or is 
the moving party obtaining an Arbitration Order, Lender or Bank shall pay all Administrator and arbitrator 
fees, regardless of whether or not the consumer is the prevailing party in such arbitration, unless such 
Dispute involves a claim for damages by a consumer and is found by the arbitrator to be frivolous. For 
this paragraph, “consumer Dispute” shall mean a Dispute involving credit or services provided by Lender 
or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than 
$75,000. 
The Administrator and the arbitrator shall have the authority, to the extent practicable, to take any 
reasonable action to require the arbitration proceeding to be completed within 180 days of commencing 
the arbitration. The arbitrator: (i) will render a decision and any award applying applicable law; (ii) will hear 
and rule on appropriate dispositive motions for judgment on the pleadings, for failure to state a claim, or 
for full or partial summary judgment; (iii) will give effect to any statutory or contractual limitations period 
(e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall have the authority to 
impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the 
arbitrator, including, without limitation, the sanction of entering a final award against the party that fails to 
comply; (v) shall have authority to award costs and fees (including attorneys' fees and costs, arbitration 
administration fees and costs, and arbitrator(s)' fees) to the extent permitted by law; (vi) shall recognize 
and honor claims of privilege recognized at law; and (vii) with regard to motions and the arbitration 

9

 
 
 
 
hearing, shall apply the Federal Rules of Evidence. The doctrines of compulsory counterclaim, res 
judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder. 
Commencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and 
obtaining from a court of competent jurisdiction (notwithstanding ongoing arbitration) provisional or 
ancillary remedies including but not limited to injunctive relief, temporary restraining orders, property 
preservation orders, foreclosure, sequestration, eviction, attachment, replevin, garnishment, and/or the 
appointment of a receiver; or (ii) availing itself of any self-help remedies such as setoff and repossession 
rights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a waiver of 
the right to submit any Dispute to arbitration. 
Judgment upon an arbitration award may be entered in any court having jurisdiction except that, if the 
arbitration award exceeds $200,000, any party shall be entitled to a de novo appeal of the award before a 
panel of three arbitrators. To allow for such appeal, if the award (including Administrator, arbitrator, and 
attorney’s fees and costs) exceeds $200,000, the arbitrator will issue a written, reasoned decision 
supporting the award, including a statement of authority and its application to the Dispute. A request for 
de novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration award; 
if such a request is not made within that time period, the arbitration award shall become final and binding.  
On appeal, the arbitrators shall review the award de novo, meaning that they shall reach their own 
findings of fact and conclusions of law rather than deferring in any manner to the original arbitrator.  
Appeal of an arbitration award shall be pursuant to the rules of the Administrator; if the Administrator has 
no such rules, then the JAMS arbitration appellate rules shall apply. 
To request information on how to submit an arbitration claim, or to request a copy of an Administrator’s 
rules or fee schedule, please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, 
Irvine, CA 92614, Phone: (949) 224-1810, Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website: 
www.jamsadr.com; NAF: National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405-0191, 
Phone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com. 
Arbitration under this provision concerns a transaction involving interstate commerce and shall be 
governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.  If the terms of this Section 2 vary from the 
Administrator’s rules, this Section 2 shall control.   

23.3: SECTION 3: JUDICIAL REFERENCE (CALIFORNIA ONLY). If a Dispute between the parties 
hereto is filed in a state or federal court located in the State of California, each party shall have the right, 
but not the obligation, to require that it be resolved by judicial reference in accordance with California 
Code of Civil Procedure, Sections 638, et seq.. BY AGREEING TO RESOLVE DISPUTES BY JUDICIAL 
REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT PARTY MAY HAVE TO A JURY 
TRIAL. The referee shall be a retired judge, agreed upon by the parties, from either the American 
Arbitration Association (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties 
cannot agree on the referee, the party who initially selected the reference procedure shall request a panel 
of ten retired judges from either AAA or JAMS, and the court shall select the referee from that panel. If 
AAA and JAMS are unavailable to provide this service, the court may select a referee by such other 
procedures as are used by that court. The referee shall be appointed to sit with all of the powers provided 
by law, including the power to hear and determine any or all of the issues in the proceeding, whether of 
fact or of law, and to report a statement of decision. Only for this Section 3, “Dispute” includes matters 
regarding the validity, enforceability, meaning, or scope of this Section, and class action claims brought 
by either party as a class representative on behalf of others and claims by a class representative on 
either party’s behalf as a class member. The parties agree that time is of the essence in conducting the 
judicial reference proceeding set forth herein. Except as otherwise provided in this paragraph, the costs of 
the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by the 
parties as the costs are incurred, unless otherwise awarded by the referee. If Lender or Bank commences 
a judicial reference proceeding regarding a consumer Dispute, Lender or Bank shall pay all referee fees, 
regardless of whether or not the consumer is the prevailing party in such proceeding, unless such Dispute 
involves a claim for damages by a consumer and is found by the referee to be frivolous.  For purposes of 
this paragraph, “consumer Dispute” shall mean a Dispute involving credit or services provided by Lender 
or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than 
$75,000. The referee shall hear all pre-trial and post-trial matters (including without limitation requests for 
equitable relief), prepare a statement of decision with written findings of fact and conclusions of law and 
apportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal 
relief, provide all temporary or provisional remedies, enter equitable orders that are binding on the parties 
and rule on any motion that would be authorized in a trial, including without limitation motions for 
summary adjudication. Judgment upon the award shall be entered in the court in which such proceeding 
was commenced and all parties shall have full rights of appeal. This provision will not be deemed to limit 
or constrain Lender’s or Bank’s right of offset, to obtain provisional or ancillary remedies, to interplead 

10

 
 
funds in the event of a dispute, to exercise any security interest or lien Bank or Lender may hold in 
property, or to comply with legal process involving accounts or other property held by Bank or Lender. 
Nothing herein shall preclude a party from moving (prior to the court ordering judicial reference) to 
dismiss, stay or transfer the suit to a forum outside California on grounds that California is an improper, 
inconvenient or less suitable venue. If such motion is granted, this Section 3 shall not apply to any 
proceedings in the new forum. 
This Section 3 may be invoked only with regard to Disputes filed in state or federal courts located in the 
State of California. In no event shall the provisions in this Section 3 diminish the force or effect of any 
venue selection or jurisdiction provision in this Agreement or any Related Document.  

23.4: SECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the 
other party would not seek to enforce a jury waiver, class action waiver, arbitration provision or judicial 
reference provision in the event of suit, and (ii) acknowledges that it and the other party have been 
induced to enter into this Agreement by, among other things, material reliance upon the mutual waivers, 
agreements, and certifications in the four Sections of this DISPUTE RESOLUTION PROVISION. 

24.0: BILLING RIGHTS SUMMARY: This notice contains important information about your rights and the 
Bank's responsibilities under the Fair Credit Billing Act. 
24.1: Notify Us in Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you 
need more information about a transaction on your bill, write us in a separate letter at the address 
indicated in the Billing Rights Summary on your Statement. Write us as soon as possible. We must hear 
from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You 
can telephone us, but doing so will not preserve your rights. In your letter, include the following 
information: 

  Your name and account number. 
  The date and dollar amount of the suspected error. 
  Describe the error, and explain if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

If you have authorized us to pay your credit card bill automatically from your savings or checking account, 
you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach 
us three business days before the automatic payment is scheduled to occur. 
24.2: Your Rights and Our Responsibilities After We Receive Your Written Notice: We must 
acknowledge your letter within 30 days, unless we corrected the error by then. Within 90 days, we must 
either correct the error or explain why we believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including interest charges, and we 
can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.  
If we find that we made a mistake on your bill, you will not have to pay any interest charges related to any 
questioned amount. If we didn’t make a mistake, you may have to pay interest charges, and you will have 
to make any missed payments on the questioned amount. In either case, we will send you a statement of 
the amount you owe and the date that it is due.  
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to 
pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you 
the name of anyone we reported you to. We must tell anyone we report you to that the matter has been 
settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the 
questioned amount, even if your bill was correct. 
24.3: Special Rule for Credit Card Purchases: If you have a problem with the quality of property or 
services that you purchased with the 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 property or services. There 
are two limitations on this right:  

(1) You must have made the purchase in your home state or, if not within your home state, within 100 
miles of your current mailing address; and  
(2) The purchase price must have been more than $50.  

These limitations do not apply if the Bank owns or operates the merchant, or if the Bank mailed you the 
advertisement for the property or services. 

880-0502 

11

Member FDIC, 
Equal Housing Lender