your revolving credit line. We then add the largest of the 
following:

currency	conversion	rate	for	that	transaction	will	be	the	
rate	selected	by	that	third	party.

•	The	New	Balance	on	the	billing	statement	if	it	is	 
  less than $40.00;
•	$40.00,	if	the	New	Balance	is	at	least	$40.00;
•	3%	of	the	New	Balance	(rounded	to	the	nearest
  dollar).

The	Minimum	Amount	Due	never	exceeds	the	New	Bal-
ance.	In	calculating	the	Minimum	Amount	Due,	we	may	
subtract	from	the	New	Balance	certain	fees	added	to	
your	account	during	the	billing	period.

Application of Payments:	Each	billing	period,	to	the	
extent	your	payments	exceed	the	Minimum	Payment	
Due	shown	on	your	current	billing	statement,	we	will	
apply	these	excess	amounts	in	order	of	the	APR	ap-
plicable	to	the	balance	of	each	transaction	category	
generally	from	highest	to	lowest,	beginning	with	the	
balance	subject	to	the	highest	APR.	Otherwise,	we	will	
apply	payments	and	credits	at	our	discretion,	including	
in	a	manner	most	favorable	or	convenient	for	us.	In	all	
cases,	we	will	apply	payments	and	credit	in	accordance	
with	applicable	law.		

Payment Instructions:	Payments	are	credited	in	ac-
cordance	with	the	payment	instructions	on	the	billing	
statement.	Payments	received	in	proper	form	online,	in	
branch,	or	at	our	processing	facility	by	5PM	local	time	
on	any	day	will	be	credited	as	of	that	day.	Payments	
received	online,	in	branch,	or	at	our	processing	facility	
after	5PM	local	time	will	be	credited	as	of	the	next	day.	
You	must	pay	us	in	U.S.	dollars	using	a	check,	similar	
instrument,	or	automatic	debit	that	is	drawn	on	and	
honored	by	a	financial	institution	in	the	U.S.	Do	not	
send	cash.	We	can	accept	late	or	partial	payments,	and	
payments	that	reflect	“paid	in	full”	or	other	restrictive	
endorsements,	without	losing	our	rights.	We	reserve	the	
right	to	accept	payments	made	in	foreign	currency	and	
instruments	drawn	on	funds	on	deposit	outside	the	U.S.	
If	we	do,	we	select	the	currency	conversion	rate	at	our	
discretion	and	credit	your	account	in	U.S.	dollars	after	
deducting	any	costs	incurred	in	processing	your	pay-
ment,	or	we	may	bill	you	separately	for	such	costs.

Foreign Currency Conversion Procedures: If you 
make	a	transaction	in	a	foreign	currency,	other	than	a	
cash	advance	made	at	a	branch	or	ATM	of	one	of	our	
affiliates,	MasterCard	converts	the	amount	into	U.S.	
dollars	as	follows:	MasterCard	complies	with	its	foreign	
currency	conversion	procedures	then	in	effect.	Master-
Card	currently	uses	a	conversion	rate	in	effect	one	day	
prior	to	its	transaction	processing	date.	Such	a	date	
is	either	a	wholesale	market	rate	or	the	government-
mandated	rate.

The	foreign	currency	conversion	rate	in	effect	on	the	
applicable	processing	date	for	a	transaction	may	differ	
from	the	rate	in	effect	on	the	Sale	or	Post	Date	on	your	
billing	statement	for	that	transaction.

If	a	transaction	is	converted	by	a	third	party	prior	to	such	
transaction	being	processed	by	MasterCard,	the	foreign	

CREDIT REPORTING

We	may	report	information	about	your	account	to	credit	
reporting	agencies.	Late	payments,	missed	payments,	or	
other	defaults	on	your	account	may	appear	on	your	credit	
report.	If	you	request	cards	on	your	account	for	others,	
we	may	report	account	information	in	the	names	of	those	
other	people	as	well.	We	may	also	obtain	follow-up	credit	
reports	on	you	(for	example,	when	we	review	your	account	
for	a	revolving	credit	line	increase).	If	you	wish	to	know	
which	agencies	we	contacted,	write	us	at	the	Cardmember	
Services	address	on	the	billing	statement.

If	you	think	we	reported	erroneous	information	to	a	credit	
reporting	agency,	write	us	at	the	Cardmember	Services	ad-
dress	on	your	billing	statement.	We	will	promptly	investi-
gate	the	matter	and	if	we	agree	with	you,	we	will	contact	
each	credit	reporting	agency	to	which	we	reported	and	
request	a	correction.	If,	after	our	investigation,	we	disagree	
with	you,	we	will	tell	you	in	writing	or	by	telephone	how	to	
submit	a	statement	to	those	agencies	for	inclusion	in	your	
credit	report.	

CHANGES TO THIS AGREEMENT

Upon proper advance notice, we may change the 
rates, fees, and terms of this Agreement at any time 
for any reason, as permitted by law. Further, we may 
be compelled to change the rates, fees, and terms of 
this agreement if you change your state of residence. 
These reasons may be based on information in your 
credit report, such as your amounts owed to other 
creditors, the number of credit accounts outstanding, 
or the number of credit inquiries. These reasons may 
also include competitive or market-related factors. 
Changing terms includes adding, replacing, or delet-
ing provisions relating to your account and to the 
nature, extent, and enforcement of the rights and ob-
ligations you or we have relating to this Agreement. 
These changes are binding on you. However, if the 
change will cause a fee, rate or minimum payment to 
increase, we will mail you written notice at least 60 
days prior to the date the change becomes effective. 
Your continued use of the account shall be deemed 
acceptance of the new terms.

DEFAULT

You	default	under	this	Agreement	if	you	fail	to	pay	the	
Minimum	Amount	Due	by	its	due	date	for	sixty	(60)	days,	
pay	by	a	check	or	similar	instrument	that	is	not	honored	or	
that	we	must	return	because	it	cannot	be	processed,	pay	by	
automatic	debit	that	is	returned	unpaid,	file	for	bankruptcy,	
or	default	under	any	other	Card	Agreement	you	have	with	
us.	If	you	default,	we	may	close	your	account	and	increase	
the	minimum	payment	up	to	twice	the	existing	minimum	
payment	due.	If	you	gave	the	financial	institution	guaran-
teeing	your	account	a	security	interest	or	other	deposit,	we	
may	use	the	deposit	amount	to	pay	any	amount	you	owe.

REFUSAL OF THE CARD, CLOSED ACCOUNTS,  
AND RELATED PROVISIONS

Refusal of the Card:	We	do	not	guarantee	approval	of	
transactions	and	are	not	liable	for	transactions	that	are	
not	approved,	either	by	us	or	by	a	third	party,	even	if	you	
have	sufficient	credit	available.	We	may	limit	the	number	of	
transactions	that	may	be	approved	in	one	day.	If	we	detect	
unusual	or	suspicious	activity,	we	may	suspend	your	credit	
privileges	until	we	can	verify	the	activity.

Preauthorized Charges:	If	you	default,	if	the	card	is	lost	
or	stolen,	or	we	change	the	account	for	any	reason,	we	
may	suspend	automatic	charges	with	third	party	vendors.	If	
preauthorized	charges	are	suspended,	you	are	responsible	
for	making	direct	payment	for	such	charges	until	you	con-
tact	the	third	party	to	reinstate	the	automatic	charges.

Lost or Stolen Cards, Account Numbers, or Conve-
nience and Balance Transfer Checks: If	any	card,	
account	number,	or	check	is	lost	or	stolen,	or	if	you	think	
someone	used	or	may	use	them	without	permission,	call	us	
immediately	at	the	Cardmember	Services	number	on	the	
billing	statement.	We	may	require	you	to	provide	certain	
information	in	writing	to	help	us	find	out	what	happened	
and	to	comply	with	our	investigation.	You	must	identify	for	
us	the	charges	that	were	not	made	by	you,	or	someone	
not	authorized	by	you,	and	from	which	you	received	no	
benefit.

Closing Your Account:	You	may	close	your	account	by	
notifying	us	in	writing	or	calling	us	toll-free	at	the	Card-
member	Services	number	shown	on	the	billing	statement	
or	on	the	back	of	your	credit	card	but	must	still	repay	the	
total	balance	in	accordance	with	this	Agreement.	We	may	
close	your	account	or	suspend	account	privileges	at	any	
time	for	any	reason	without	prior	notice.	We	may	also	reis-
sue	a	different	card	at	any	time.	You	must	return	any	card	
to	us	upon	request.

Security Interest for Secured Accounts: If your account 
is	a	secured	account,	you	gave	your	financial	institution	a	
security	interest	or	other	deposit	to	secure	payment	of	your	
account.	If	you	withdraw	your	funds	from	the	account	set	
up	to	secure	your	credit	account,	the	financial	institution	
will notify us and we will close your account.

WHAT TO DO IF THERE IS AN ERROR IN YOUR BILL
Your Billing Rights. Keep	This	Notice	for	Future	Use.	This	
notice	contains	important	information	about	your	rights	
and	our	responsibilities	under	the	Fair	Credit	Reporting	Act.

Notify Us in Case of Errors or Questions About Your 
Bill.	If	you	think	your	billing	statement	is	wrong,	or	if	you	
need	more	information	about	a	transaction	on	your	bill-
ing	statement,	write	to	us	(on	a	separate	sheet)	as	soon	
as	possible	at	the	address	provided	in	the	Billing	Rights	
Summary	portion	on	the	back	of	your	statement.	We	must	
hear	from	you	no	later	than	60	days	after	we	sent	you	the	
first	statement	on	which	the	error	or	problem	appeared.	
You	can	telephone	us,	but	doing	so	will	not	preserve	your	
rights.

In	your	letter,	give	us	the	following	information:

•	Your	name	and	account	number.
•	The	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	informa- 

tion,	describe	the	item	you	are	unsure	about.

•	Please	sign	your	letter.

If	you	authorize	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,	you	must	tell	us	at	least	3	business	days	before	
the	automatic	payment	is	scheduled	to	occur.

Your Rights and Our Responsibilities after we Receive 
Your Written Notice:	We	must	acknowledge	your	letter	
within	30	days,	unless	we	have	corrected	the	error	by	then.	
Within	90	days,	we	must	either	correct	the	error	or	explain	
why	we	believe	your	billing	statement	was	correct.	After	
we	receive	your	letter,	we	cannot	try	to	collect	any	amount	
you	question,	or	report	your	account	as	delinquent.	We	
can	continue	to	bill	you	for	the	amount	you	question,	
including	finance	charges,	and	we	can	apply	any	unpaid	
amount	against	your	credit	line.	You	do	not	have	to	pay	
any	questioned	amount	while	we	are	investigating,	but	you	
are	still	obligated	to	pay	the	parts	of	your	balance	that	are	
not	in	question.

If	we	find	that	we	made	a	mistake	on	your	billing	state-
ment,	you	will	not	have	to	pay	any	finance	charges	related	
to	any	questioned	amount.	If	we	didn’t	make	a	mistake,	
you	may	have	to	pay	finance	charges,	and	you	will	have	to	
make	up	any	missed	payments	on	the	questioned	amount.	
In	either	case,	we	will	send	you	a	statement	of	the	amount	
you owe and the date 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 us within 10 days telling 
us	that	you	still	refuse	to	pay,	we	must	tell	anyone	we	re-
port	you	to	that	you	have	a	question	about	your	bill.	And,	
we	must	tell	you	the	name	and	address	of	to	whom	we	
reported	your	account	information.	We	must	tell	anyone	
we	report	you	to	that	the	matter	has	been	settled	between	
us when it is finally settled.

If	we	don’t	follow	these	rules,	we	can’t	collect	the	first	$50	
of	the	questioned	amount,	even	if	your	billing	statement	
was correct.

Special Rule for Credit Card Purchases: If you have a 
problem	with	the	quality	of	property	or	services	that	you	
purchased	with	a	credit	card,	and	you	have	tried	in	good	
faith	to	correct	the	problem	with	the	merchant,	you	may	
have	the	right	not	to	pay	the	remaining	amount	due	on	the	
property	or	services.	There	are	two	limitations	on	this	right:
•	You	must	have	made	the	purchase	in	your	home	 
	 state	or,	if	not	within	your	home	state,	within	100			
	 miles	of	your	current	address;	and
•	The	purchase	price	must	have	been	more	than	$50.

These	limitations	do	not	apply	if	we	own	or	operate	the	
merchant	or	if	we	mailed	you	the	advertisement	for	the	
property	or	services.

DISPUTE RESOLUTION

Any	dispute,	controversy	or	claim	arising	under	or	oth-
erwise	in	connection	with	this	Agreement	(including	any	
breach,	termination,	validity	or	enforceability	of	any	provi-
sion	hereof)	(a	“Dispute”)	shall	be	resolved	as	follows:		
Either	Party	may	submit	the	Dispute	to	non-binding	media-
tion	in	the	State	of	Iowa,	in	accordance	with	the	Rules	of	
Arbitration	then	prevailing	of	the	American	Arbitration	
Association	(the	“Rules”).		The	Parties	will	mutually	agree	
upon	the	mediator.		If	the	Parties	are	unable	to	agree	upon	
the	mediator,	the	mediator	will	be	selected	by	the	Des	
Moines,	Iowa	office	of	the	American	Arbitration	Associa-
tion.	If	the	Dispute	is	not	resolved	through	mediation	within	
ten	(10)	business	days	after	the	conclusion	of	the	Hear-
ing	(as	defined	below),	the	Dispute	may	be	submitted	to	
arbitration	in	Des	Moines,	Iowa	for	resolution	by	final	and	
binding	arbitration	by	a	sole	arbitrator	under	the	Rules,	
upon	written	notice	of	demand	for	arbitration	by	the	Party	
seeking	arbitration,	setting	forth	the	specifics	of	the	matter	
in	controversy	or	the	claim	being	made.				

“Hearing”	means	a	hearing	before	the	mediator	dur-
ing	which	each	Party	presents	its	position	regarding	the	
Dispute.

APPLICABLE LAW AND ENFORCING OUR RIGHTS

Applicable Law:	The	terms	and	enforcement	of	this	
Agreement	shall	be	governed	by	federal	law,	the	law	of	
your	state	of	residence,	and	the	law	of	Iowa,	where	we	are	
located. 

Change of State of Residence: If you change your state 
of	residence,	please	notify	us	by	either	calling	888-4-ATI-
RA-1	(888-428-4721)	or	by	writing	us	at	P.O.	Box	14542,	
Des	Moines,	IA	50306-3542.	We	may	be	compelled	to	
change	the	terms	of	this	Agreement.

Enforcing this Agreement: We can delay in enforcing 
or	fail	to	enforce	any	of	our	rights	under	this	Agreement	
without	losing	them.

Collection Costs: If we refer collection of your account to 
a	lawyer	who	is	not	our	salaried	employee,	you	are	liable	
for	any	reasonable	attorney’s	fees	we	incur,	plus	the	costs	
and	expenses	of	any	legal	action,	to	the	extent	applicable	
by	law.

Assignment:	We	may	assign	any	or	all	of	our	rights	and	
obligations	under	this	Agreement	to	a	third	party.

For Wisconsin Residents:	If	you	are	married,	please	
contact	us	immediately	upon	receipt	of	this	Agreement	at	
888-428-4721	and	provide	us	with	the	name	and	address	
of	your	spouse.	We	are	required	to	inform	your	spouse	that	
we	have	opened	a	credit	account	for	you.

FOR FURTHER INFORMATION
Call	the	toll-free	Cardmember	Service	number	shown	on	
your	billing	statement	or	on	the	back	of	your	card.	You	can	
also	call	local	or	toll-free	Directory	Assistance	to	get	our	
telephone	number.

SM

1/10 
G-11331

	
CARD AGREEMENT

This	Card	Agreement,	which	includes	your	card	carrier	and	
welcome	letter,	is	your	contract	with	us	and	governs	the	
use	of	your	card	and	account.	The	welcome	letter	contains	
important	account	information,	including	your	annual	
percentage	rates.	Please	read	and	keep	these	documents	
for your records. 

Late Fee:	We	may	add	a	late	fee	as	outlined	below	to	the	
standard	purchase	balance	for	each	billing	period	you	fail	
to	pay	the	Minimum	Amount	Due	by	its	due	date.	$5.00	
for	KY,	WY,	MS,	and	SD;	$10.00	for	CA;	$15.00	for	AK,	AL,	
AR,	AZ,	CO,	CT,	DC,	DE,	FL,	GA,	HI,	IA,	ID,	IL,	IN,	KS,	LA,	
MA,	MD,	ME,	MI,	MN,	MO,	MT,	NC,	ND,	NE,	NH,	NJ,	NM,	
NV,	NY,	OH,	OK,	OR,	PA,	RI,	SC,	TN,	TX,	UT,	WI,	WV,	VA,	
VT,	WA,	AE,	AA,	and	AP.

slip,	refund	slip,	cash	advance	slip,	or	travel	and	entertain-
ment	(T	&	E)	draft.	Document	copy	fees	do	not	apply	to	the	
following	states:	CO,	OK,	and	IN.	

Check Copy Fee:	We	may	add	a	$20.00	fee	to	the	stan-
dard	purchase	balance	if	you	request	a	copy	of	a	returned	
convenience	check.	Check	copy	fees	do	not	apply	to	the	
following	states:	CO,	OK,	and	IN.	

DEFINITIONS
We, Us, and Our:	TMG	Financial	Services,	Inc.,	the	issuer	
of your account

You, Your, and Yours:	the	person	who	applied	to	open	
the	account	and	any	other	person	responsible	for	comply-
ing	with	this	agreement,	including	the	person	to	whom	we	
address	the	billing	statements

Account:	the	relationship	established	between	you	and	us	
by	this	card	agreement

Returned Payment Fee: We	may	add	a	fee	as	outlined	
below	to	the	standard	purchase	balance	if	a	payment	
check	or	similar	instrument	is	not	honored	or	returned	
because	it	cannot	be	processed,	or	if	an	automatic	debit	is	
returned	unpaid.	We	assess	this	fee	every	time	your	check	
or	payment	is	not	honored.	$0.00	for	OK	and	IN;	$10.00	
for	NV;	$15.00	for	MS,	SD,	and	TX;	$20.00	for	AK,	AL,	AR,	
AZ,	CA,	CO,	CT,	DE,	DC,	FL,	GA,	HI,	IA,	ID,	IL,	KS,	KY,	LA,	
MA,	MD,	ME,	MI,	MN,	MO,	MS,	MT,	NC,	ND,	NE,	NH,	NJ,	
NM,	NY,	OH,	OR,	PA,	RI,	SC,	SD,	TN,	UT,	VA,	VT,	WA,	WI,	
WV,	WY,	AE,	AA,	and	AP.	

APR:	annual	percentage	rate

Card: one	or	more	cards	or	other	account	access	devices,	
including	convenience	checks	and	account	numbers,	that	we	
issue	to	you	to	obtain	credit	under	this	Card	Agreement

FACTS ABOUT RATES AND FEES
For	complete	information	about	these	facts,	please	see	the	
related	sections	in	this	Card	Agreement.

TRANSACTION FEES – FINANCE CHARGES
Transaction Fees and APRs: If you are assessed a trans-
action	fee	for	a	purchase	made	in	a	foreign	currency	or	a	
cash	advance,	the	transaction	fee	may	cause	the	APR	on	
the	billing	statement	on	which	the	transaction	first	appears	
to	exceed	your	normal	APR.

Annual Fee:	None.

Balance Transfer Fee:	None.

Foreign Currency Conversion Fee:	1%	of	each	transac-
tion	amount	after	its	conversion	into	U.S.	dollars.	For	each	
purchase	made	in	a	foreign	currency	we	add	an	additional	
FINANCE	CHARGE	of	1%	of	the	purchase	amount	after	its	
conversion	into	U.S.	dollars.

Cash Advance Fee:	Fee	ranges	from	$0.25	to	4%	of	
each	cash	advance	with	a	$10	minimum.	You	obtain	a	
cash	advance	if	you	obtain	funds	through	an	automated	
teller	machine	(ATM),	convenience	check,	home	or	online	
banking	site,	or	financial	institution;	make	a	wire	transfer;	
obtain	a	money	order,	traveler’s	check,	lottery	ticket,	casino	
chip,	or	similar	item;	or	engage	in	a	similar	transaction.	
For	each	cash	advance,	we	add	an	additional	FINANCE 
CHARGE	ranging	from	$0.25	to	4%	of	the	amount	of	the	
cash	advance,	but	not	less	than	$10.00.	

OTHER FEES
Some	fees	vary	by	state	and	are	disclosed	below.	Specific	
fee	amounts	that	apply	to	your	account	will	be	disclosed	as	
part	of	your	welcome	letter.

Returned Convenience Check Fee:	We	may	add	a	
$20.00	fee	to	the	standard	purchase	balance	if	we	decline	
to	honor	a	convenience	check.	We	may	decline	to	honor	
these	checks	if,	for	example,	the	amount	of	the	check	
would	cause	the	balance	to	exceed	the	cash	advance	limit	
or	revolving	credit	line,	if	you	default,	if	you	did	not	comply	
with	our	instructions	regarding	the	check,	or	if	your	ac-
count	has	been	closed.	Returned	convenience	check	fees	
do	not	apply	to	CO.	

Stop Payment on Convenience Check Fee:	We	may	add	
a	$20.00	fee	to	the	standard	purchase	balance	if	we	honor	
your	request	to	stop	payment	on	a	convenience	check.	To	
stop	payment	on	a	convenience	check,	write	us	at	P.O.	Box	
14542,	Des	Moines,	Iowa,	50306-3542,	or	call	the	Card-
member	Service	number	on	the	billing	statement.	If	you	
call,	you	must	confirm	the	call	in	writing	within	14	days.	A	
written	stop	payment	order	remains	in	effect	for	6	months	
unless	renewed	in	writing.	Stop	payment	fees	do	not	apply	
to	the	following	states:	CO,	OK,	and	IN.	

Credit Card Replacement Fee: We	may	add	a	fee	to	
the	standard	purchase	balance	if	you	request	a	replace-
ment	credit	card.	This	fee	is	based	on	the	delivery	type	you	
request.	The	fee	is:	$25.00	if	you	request	the	standard	
replacement	which	is	shipped	2	days	after	your	request;	
$65.00	if	you	request	a	non-emergency	delivery	shipped	
via	FedEx	1	day	after	your	request;	or	$105.00	if	you	re-
quest	an	emergency	card	replacement	which	is	shipped	at	
time	of	request.	Card	replacement	fees	do	not	apply	to	the	
following	states:	CO,	OK,	and	IN.	

Rush PIN Fee:	There	is	no	charge	for	issuing	you	a	Per-
sonal	Identification	Number	(PIN)	for	use	with	your	credit	
card	when	it	is	sent	via	standard	postage.	We	may	add	a	
$10.00	fee	to	the	purchase	balance	if	you	request	your	PIN	
rush-delivered	to	you	via	Fed	Ex.	Rush	PIN	fees	do	not	ap-
ply	to	the	following	states:	CO,	OK,	and	IN.	

Document Copy Fee:	We	may	add	a	$15.00	fee	to	the	
standard	purchase	balance	if	you	request	a	copy	of	a	sales	

Statement Copy Fee:	We	may	add	a	$5.00	fee	to	the	
standard	purchase	balance	if	you	request	a	copy	of	a	bill-
ing	statement.	Statement	Copy	fees	do	not	apply	to	the	
following	states:	CO,	OK,	and	IN.	

Research Fee:	We	may	add	a	fee	to	the	standard	pur-
chase	balance	for	time	we	spend	to	research	an	item	
regarding	your	account	at	your	request.	The	fee	is	$15.00	
per	hour.	Research	fees	do	not	apply	to	the	following	
states:	CO,	OK,	and	IN.	

Rates, fees, and terms may change: Upon	notice	to	
you,	we	may	change	the	rates,	fees,	and	terms	of	your	
account	at	any	time	for	any	reason,	as	permitted	by	law.	
These	reasons	may	be	based	on	information	in	your	credit	
report,	such	as	amounts	owed	to	other	creditors,	the	num-
ber	of	credit	cards	outstanding,	or	the	number	of	credit	
inquiries.	These	reasons	may	also	include	competitive	or	
market-related	factors.	If	we	make	a	change	for	any	of	
these	reasons,	you	will	receive	advance	notice	and	a	right	
to	opt-out	in	accordance	with	applicable	law.

We	will,	to	the	extent	required	by	applicable	law,	periodi-
cally	review	your	Account	to	determine	if	any	of	your	APRs	
should	be	reduced.	Any	reduced	APRs	on	new	and	existing	
balances	may	be	different	and	may	be	higher	than	your	
previous	standard	APR	for	purchases,	balances	and/or	cash	
advances	or	any	promotional	rate.	

YOUR ACCOUNT

You agree to use your account in accordance with this 
Agreement.	This	Agreement	is	binding	on	you	unless	you	
have	not	used	or	authorized	use	of	the	card.	You	must	pay	
us	for	all	amounts	due	on	your	account	as	specified	in	this	
Agreement.	Your	account	must	only	be	used	for	lawful	
transactions.

Authorized Users:	You	may	allow	authorized	users	to	
use	your	account.	You	may	request	additional	cards	for	
authorized	users.	You	must	pay	us	for	all	charges	made	by	
authorized	users,	even	if	you	did	not	intend	to	be	respon-
sible	for	those	charges.	You	must	notify	us	to	revoke	any	
permission	you	give	to	an	authorized	user	to	use	a	card	or	
to use your account.

reason.	We	will	notify	you	of	any	change,	but	the	change	
may	take	effect	before	you	receive	the	notice.	We	may	
permit	you	to	incur	charges	that	cause	your	New	Balance	
to	exceed	your	revolving	credit	line.	These	charges	will	be	
evaluated	based	on	account	performance,	information	
contained	on	credit	bureau	reports	we	review	periodically,	
and	other	credit	accounts	with	us.	If	we	authorize	these	
charges,	you	must	pay,	as	part	of	your	minimum	amount	
due,	the	amount	by	which	your	New	Balance	exceeds	your	
revolving	credit	line,	including	amounts	due	to	purchases,	
cash	advances,	finance	charges,	fees,	or	other	charges.

Billing Statement:	Your	billing	statement	shows	the	total	
balance,	periodic	finance	charges,	fees,	minimum	amount	
due,	and	payment	due	date.	It	also	shows	your	current	
revolving	credit	line	and	an	itemized	list	of	current	charges,	
payments	and	credits;	a	rate	summary;	and	other	impor-
tant	information.	We	deliver	a	statement	to	only	one	ad-
dress.	You	must	notify	Cardmember	Services	of	a	change	in	
address.	If	we	deem	your	account	uncollectible	or	institute	
collection	proceedings	through	an	outside	agency	or	attor-
ney,	we	may	stop	sending	you	statements.	Periodic	finance	
charges	and	fees	may	continue	to	accrue	even	if	we	stop	
sending	statements.

The	total	amount	you	owe	us	appears	as	the	New	Balance	
on	the	billing	statement.	To	determine	the	New	Balance	
we	begin	with	the	total	balance	at	the	start	of	the	bill-
ing	period.	We	add	any	purchases	or	cash	advances	and	
subtract	any	credits	or	payments	credited	as	of	that	billing	
period.	We	then	add	any	periodic	finance	charges	or	fees	
and	make	other	adjustments.

APRs

APRs Based on Prime:	We	calculate	any	APR	based	on	
the	U.S.	Prime	Rate	(“Prime	Rate”)	by	adding	a	premium	
to	the	Prime	rate,	these	rates	are	variable	and	may	vary.	
For	each	billing	period,	we	use	the	Prime	Rate	published	in	
The Wall Street Journal	up	to	3	business	days	prior	to	the	
Statement	Closing	Date	for	that	period.	If	The Wall Street 
Journal	does	not	publish	the	Prime	Rate,	we	may	substitute	
a	similar	published	rate.	A	change	in	the	APR	due	to	a	
change	in	the	Prime	Rate	takes	effect	as	of	the	first	day	of	
the	billing	period	for	which	we	calculate	the	APR.	We	apply	
the	new	applicable	APR	to	any	existing	balances,	subject	to	
any	promotional	rates	that	may	apply.

Penalty Rate:	Each	time	you	do	not	make	the	Minimum	
Payment	Due	within	60	days	of	the	Payment	Due	Date,	we	
may,	in	accordance	with	applicable	law:

Terminate	the	availability	of	any	promotional	APRs	on	new	
transactions; and

Revolving Credit Line: Your initial revolving credit line 
appears	on	the	card	carrier	and	your	welcome	letter.	The	
full	amount	of	your	revolving	credit	line	is	available	to	buy	
or	lease	goods	or	services	where	the	card	is	honored.	Part	
of	your	revolving	credit	line,	called	the	cash	advance	limit,	
is	available	for	cash	advances.	Your	cash	advance	limit	
appears	on	your	welcome	letter.	We	may	change	your	re-
volving	credit	line	or	cash	advance	limit	at	any	time	for	any	

Increase	your	APRs	for	new	transactions	to	variable	Penalty	
Rates.	Your	new	variable	Penalty	Rate	for	a	new	transaction	
is	determined	by	adding	the	additional	penalty	percentage	
points	disclosed	in	your	welcome	letter	to	the	otherwise	
applicable	APR	and	will	vary	based	on	any	changes	in	the	
Prime	Rate.	When	we	first	determine	the	variable	Penalty	
Rates,	we	use	the	Prime	Rate	effective	for	the	billing	period	
in	which	you	pay	late.	We	will	base	your	Penalty	Rate	on	

your creditworthiness and other factors such as your cur-
rent	APRs	and	your	Account	history.		The	variable	Penalty	
Rates	are	determined	in	accordance	with	the	Periodic	
Finance	Charges	section.		

If	we	increase	any	of	your	APRs	to	a	Penalty	Rate,	we	will	
send	you	a	notice,	in	accordance	with	applicable	law,	
advising	of	the	date	the	new	Penalty	Rate	will	apply	(the	
“Penalty	Rate	Effective	Date”),	the	type	of	new	transac-
tion	to	which	it	will	be	applied	(note:	the	new	Penalty	
Rate	will	not	apply	to	any	other	transactions),	and	your	
right	to	reject	the	new	Penalty	Rate.	New	transactions	are	
those	transactions	which	either	have	a	transaction	date,	
as	shown	on	your	billing	statement,	of	more	than	14	days	
after	we	mail	or	deliver	the	notice	to	you,	or	if	permitted	
by	applicable	law,	were	posted	to	your	Account	after	the	
current	Penalty	Rate	Effective	Date.		

If	your	Annual	Percentage	Rate	for	purchases,	balance	
transfers	or	cash	advances	was	increased	to	a	Penalty	
Rate,	we	will,	to	the	extent	required	by	applicable	law,	
periodically	review	your	Account	to	determine	if	any	of	
your	APRs	should	be	reduced.	Any	reduced	APRs	on	new	
and	existing	balances	may	be	different	and	may	be	higher	
than	your	previous	standard	APR	for	purchases,	balances	
and/or	cash	advances	or	any	promotional	rate.

PERIODIC FINANCE CHARGES BASED ON APRs
Periodic Finance Charges:	Periodic	finance	charges	are	
finance charges that are added to your account when we 
apply	the	applicable	APR	to	the	balances	on	your	account.	
We	calculate	periodic	finance	charges	separately	for	each	
balance	subject	to	different	terms;	for	example,	standard	
purchases,	standard	cash	advances,	and	each	promotion-
al	offer.	The	total	periodic	finance	charge	for	the	billing	
period	equals	the	daily	periodic	finance	charges	for	each	
balance	for	each	day	in	the	billing	period.	This	method	of	
calculating	periodic	finance	charges	results	in	daily	com-
pounding	of	finance	charges.

When Periodic Finance Charges Begin to Accrue: 
Periodic	finance	charges	begin	to	accrue	on	purchases,	
cash	advances,	balance	transfers,	transaction	fees,	other	
fees,	and	any	minimum	finance	charges	from	the	date	it	
is	added	to	the	daily	balance,	and	continue	to	accrue	until	
payment	in	full	is	credited	to	your	account.	You	can	avoid	
periodic	finance	charges	on	purchases	that	appear	on	
your	billing	statement	if	you	pay	the	New	Balance	on	your	
statement	in	full	by	the	payment	due	date.	If	you	made	
a	balance	transfer,	you	may	be	unable	to	avoid	periodic	
finance	charges	on	new	purchases,	as	described	in	the	
balance	transfer	offer.

Calculation of Periodic Finance Charges:	For	each	bal-
ance,	we	multiply	the	daily	balance	by	the	applicable	daily	
periodic	rate.	We	do	this	for	each	day	in	the	billing	period.	
A	daily	periodic	rate	is	the	applicable	APR	divided	by	365.	
A	billing	period	begins	on	the	day	after	the	Statement	
Closing	Date	of	the	previous	billing	period	and	includes	
the	Statement	Closing	Date	of	the	current	billing	period.

To	get	the	daily	balance,	we	take	the	beginning	balance	
every	day,	(including	unpaid	periodic	finance	charges	
from	the	previous	billing	periods),	add	any	new	charges,	
and	any	periodic	finance	charges	on	the	previous	day’s	
balance,	subtract	any	credits	or	payments	credited	as	of	
that	day,	and	make	other	adjustments.	A	credit	balance	
is	treated	as	a	balance	of	zero.

We	add	a	charge	to	the	daily	balance	as	follows:	We	
add	a	purchase	to	the	appropriate	balance	as	of	the	
Sale	Date	on	the	billing	statement.	We	add	a	balance	
transfer	or	cash	advance	to	the	appropriate	balance	as	
of	the	date	on	the	statement.	We	add	any	transaction	
fees	for	purchases	or	cash	advances	to	the	same	balance	
as	the	transaction	as	of	the	same	date	the	transaction	is	
added	to	the	daily	balance.	The	Post	Date	is	the	date	we	
receive	a	request	that	we	complete	a	balance	transfer	
or	cash	advance,	including	a	request	that	we	complete	
a	balance	transfer	or	cash	advance	convenience	check	
for	a	specific	amount.	If	you	send	a	balance	transfer	or	
convenience	check	directly	to	someone,	the	Post	Date	is	
the	date	we	receive	the	check	for	payment.	To	get	the	
total	periodic	finance	charge,	we	add	up	all	of	the	daily	
periodic	finance	charges	for	each	balance	for	each	day	
in	the	billing	period.

For	each	balance,	the	Balance	Subject	to	Finance	
Charge	on	the	statement	is	the	average	of	the	daily	bal-
ances	during	the	billing	period.	If	you	multiply	this	figure	
for	each	balance	by	the	number	of	days	in	the	billing	pe-
riod	and	by	the	applicable	daily	periodic	rate,	the	result	
is	the	periodic	finance	charges	assessed	for	that	balance,	
except	for	minor	variations	caused	by	rounding.

Effect of APR Increases:	If	the	APR	on	your	account	
increases	in	accordance	with	this	Agreement	and	as	
permitted	by	law,	periodic	finance	charges	increase	and	
your	minimum	payment	may	increase.

Minimum Finance Charge:	If	the	periodic	rate	finance	
charge	would	otherwise	be	less	than	$0.25,	we	as-
sess	a	minimum	FINANCE CHARGE	of	$0.25.	We	add	
the	amount	to	any	balance	that	is	assessed	a	finance	
charge.

Balance Transfer Checks and Convenience Checks: 
Each	check	must	be	in	the	form	it	was	issued	and	used	
according	to	any	instructions	we	give.	The	checks	must	
not	be	used	to	pay	an	amount	owed	us	under	this	or	any	
other	Card	Agreement	that	you	have	with	us.	We	do	not	
certify	these	checks	or	return	any	such	checks	that	have	
been	paid.

PAYMENTS

Minimum Amount Due:	Each	month	your	statement	
balance	is	greater	than	$0,	you	must	pay	at	least	the	
Minimum	Amount	Due	by	the	payment	due	date.	The	
sooner	you	pay	the	new	Balance,	the	less	you	will	pay	in	
periodic	finance	charges.

To	calculate	the	Minimum	Amount	Due,	we	begin	with	
any	past	due	amount	and	add	any	amount	in	excess	of