Credit Card Disclosure to be Retained by Customer 

Platinum MasterCard®  – Variable Rate 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

7.49% to 13.49% based on your  creditworthiness.  

This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers 

0.00% introductory APR for six months, for qualifying balance transfers of $250 or more, completed 
within 1 month from the account opening date. 

After that, your APR will be 7.49% to 13.49% based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

APR for Cash Advances 

11.74% to 17.74% when you open your account, based on your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying 
Interest on Purchases 
and Balance Transfers 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases and balance transfers if you pay your entire balance by the due date each 
month. 

If you are charged interest on purchases, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

Minimum Interest 
Charge 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Transaction Fees 

 Balance Transfer 

3% of the amount of each transfer 

 Cash Advance 

Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee: $50) 

 Cash Equivalent 

Purchases 

Either $15 or 5% of the amount of each purchase of a cash equivalent, whichever is 
greater (maximum fee: $50) 

 Foreign Transaction 

3% of each transaction in U.S. dollars. 

Penalty Fees 

 Late Payment 

 Returned Payment 

Up to $25 

Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

The information about the costs of the card described in this application is accurate as of December 17, 2015. This information 
may have changed after that date. To find out what may have changed, call us at 800-416-3748. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account 
agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Card Disclosure to be Retained by Customer 

Standard MasterCard® Classic – Variable Rate (including Secured) 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

11.99% to 17.99% based on your creditworthiness. 
     This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers 

0.00% introductory APR for six months, for qualifying balance transfers of $250 or more, 
completed within 1 month from the account opening date. 
     After that, your APR will be 11.99% to 17.99% based on your creditworthiness.  This APR 
     will vary with the market based on the Prime Rate. 

APR for Cash Advances 

16.24% to 22.24% when you open your account, based on your creditworthiness.   
     This APR will vary with the market based on the Prime Rate.    

How to Avoid Paying 
Interest on Purchases 
and Balance Transfers 

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any 
interest on purchases and balance transfers if you pay your entire balance by the due date each 
month. 

If you are charged interest on purchases, the charge will be no less than $1.00. 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  

Minimum Interest 
Charge  

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Transaction Fees 

   ● Balance Transfer 

3% of the amount of each transfer 

   ● Cash Advance 

Either $15 or 5% of the amount of each cash advance, whichever is greater (maximum fee:  $50) 

   ● Cash Equivalent 
      Purchases 

Either $15 or 5% of the amount of each purchase of a cash equivalent, whichever is greater 
(maximum fee:  $50) 

   ● Foreign Transaction 

3% of each transaction in U.S. dollars. 

Penalty Fees 

   ● Late Payment 

Up to $25 

   ● Returned Payment 

Up to $25 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).” 

The information about the costs of the card described in this application is accurate as of December 17, 2015.  This information may 
have changed after that date.  To find out what may have changed, call us at 800-416-3748. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the account 
agreement.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
FirstMerit Bank, now part of The Huntington National Bank, Consumer Credit Card Agreement  

This Consumer Credit Card Agreement describes terms and conditions of your consumer credit card account with FirstMerit Bank, (the “Account”). The words “we,” “us,” “our,” and “FirstMerit” mean 
FirstMerit Bank, and its agents, authorized representatives, successors, and assignees. The words “you” and “your” mean each person (as an individual) and all persons (as a group) who apply for the 
Account, who are responsible for repaying the Account, or on whose behalf we issue a Card. An “Authorized User” means a person you authorize or allow to use, access, or service a Card or the 
Account, but who is not directly responsible for repaying the Account. The term “Card” means any credit card we issue for access to your Account, including renewal and substitute cards. The term “Card” 
also means any other access device that allows you or an Authorized User to obtain Account credit from us, including your Account number. Your “Interest Charges” are the charges we add to your 
Account based on the Annual Percentage Rates and corresponding Daily Periodic Rates we apply to your Account balances. Your “Fees” are the charges we add to your Account that are not based on 
the Annual Percentage Rates. Other capitalized terms that are not defined here are generally defined the first time we use those terms.  

Overview of Account Agreement 

Our Account agreement with you (the “Agreement”) is contained in and governed by: 

(1) this document, called the Consumer Credit Card Agreement;  
(2) all Account disclosures and terms provided to you before or when the Account is opened, including the terms you accepted  when applying for the Account, disclosures made with our Credit Card 
Account Opening Disclosures (the “Account Opening Disclosures”), and any terms we provided in written materials accompanying your Card;  
(3) all other documents, disclosures and terms that relate specifically to your Account and its related features and services, including:   
  all rewards disclosures, if your Account has rewards;  
  the Card benefits brochure that describes benefits provided by any payment card network displayed on your Card (each, a “Payment Card Network”);  
  the deposit pledge, assignment or security provisions in any application or instrument you submit to us in connection with a secured Account;  
  the applicable provisions of any deposit account agreement between you and us, if you request and we agree to make Account advances from time to time in payment of overdrafts associated with 

your deposit account (“Overdraft Protection”);  

  the terms shown on periodic billing statements for your Account (each, a “Statement”); and 
(4) any future changes we make to any of the above items, as permitted or required by applicable law.  

You agree that this Agreement becomes effective the first time you or an Authorized User use any Card or the Account. When the Agreement states that we “may” take an action, it means we are 
authorized to take that action in our sole discretion, subject only to any limitations or requirements established by law and the express terms of the Agreement. Please read these materials carefully and 
keep them for future reference. We may make new offers to you in the future or forward offers from others that may interest you. If these offers have new or different terms, those terms will be provided 
with the offer. If you accept the offer, the previously disclosed terms in the Agreement will still apply, except as modified by the offer.  

Account Information We Need 

We  need  complete,  current  and  valid  information  about  you  and  any  Authorized  Users  to  manage  and  maintain  your  Account  (including  names,  addresses;  telephone  numbers;  dates  of  birth; 
employment and income information, Social Security numbers, or other government identification numbers). You must tell us when this information changes, in the manner described on your most recent 
Statement, through the website we maintain for your Account, or by calling us at the telephone number shown on your most recent Statement or the back of your Card. We may require that you provide 
additional documents that are acceptable to us so that we can verify this information and any changes. We may restrict or close your Account, if we are unable to verify your information or you do not 
provide the additional information we request.  

Balance Categories of Your Account 

“Balance Categories” are the different Account segments we may establish with unique pricing, grace periods or other terms. The Balance Categories of your Account may include Purchases, Cash 
Advances, Balance Transfers, and Promotional Offers. We reserve the right to decide which Balance Category applies for each Account transaction and our decision will be final.  

A “Purchase” means the property, rights, goods and services you purchase, rent, or otherwise obtain directly from merchants and vendors by using your Card or the Account, including your purchase of 
something  we  consider  to  be  a  cash  equivalent.  For  example,  we  consider  wire  transfers,  travelers’  checks,  money  orders,  foreign  currency,  lottery  tickets,  gaming  chips,  and  wagers  to  be  “cash 
equivalents.” 

A “Cash Advance” means a loan you obtain from us by using the Card, convenience checks, or other forms or devices used for Account access, including transactions initiated through a bank teller or an 
Automated Teller Machine (ATM), or transactions initiated for Overdraft Protection purposes in connection with a deposit account we maintain for you.  

A “Balance Transfer” means a balance we allow you to transfer to the Account from an account that you owe to another financial institution or creditor, by using any written, electronic, or telephonic 
device or method we approve for this purpose. The unpaid Balance Transfer balances will be combined with Purchase balances shown on your Statement if both of these balances are subject to the 
same Interest Charges.  

A “Promotional Offer” means transactions and balances that post to your Account and are subject to unique pricing, grace periods, or other terms we disclose from time to time for promotional and other 
reasons. After the end of any temporary rate period, the unpaid balance of a Promotional Offer for a Balance Transfer will be combined with Purchase balances shown on your Statement.  

Your Promises To Us  

You  promise  to  do  everything  the  Agreement  requires  of  you,  as  long  as  your  Account  has  an  unpaid  balance,  remains  open  to  future  transactions,  or  both.  Each  of  you  and  all  of  you  promise, 
individually and together, to pay us all amounts due on your Account, now and in the future. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you 
use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), these transactions will be treated as if you used the Card in person. The amounts due on 
your Account include all transactions in each Balance Category made by any of you and by any Authorized User, plus all Fees and all Interest Charges, as described in this Agreement. Your “Interest 
Charges” are the charges we add to your Account based on the Annual Percentage Rates and corresponding Daily Periodic Rates we apply to your Account balances. Your “Fees” are the charges we 
add to your Account that are not based on the Annual Percentage Rates.  

Using Your Account and Card 

You and your Authorized Users may use your Card and the Account for making Purchases and for obtaining Cash Advances, Balance Transfers, and Promotional Offers, as permitted by this Agreement 
and applicable law. You agree to sign the Card immediately after you receive it. The Card is valid through the expiration date shown on the front. The Card is our property and you agree to return it to us 
or destroy it, if we ask. You agree to take reasonable steps to prevent the unauthorized use of your Card and Account. If you allow someone else to use your Card, you are responsible for all transactions 
made by that person and all associated Fees and Interest Charges, except to the extent prohibited by law. 

We are not responsible to you if someone refuses to accept your Card for any reason. We may reject any transaction for any reason. We may limit the combined dollar amount or the total number of 
certain Account transactions, such as Cash Advances, that are allowed during a single day or other time periods. We may restrict or delay the availability of Account credit, to protect you and us against 
potential fraud, unauthorized transactions, Account misconduct or misuse, or for other risk management reasons. We will not be liable to you if this happens.  

From time to time, Account services may be unavailable to you and your Authorized Users, due to circumstances beyond our control, such as system failures, fires, floods, natural disasters or other 
unpredictable events. When this happens, you may be unable to use your Card or obtain Account information. We will not be responsible or liable to you if this happens.  

You agree not to use, try to use, or permit use of the Card or Account for any Internet gambling transactions or any other transactions that are illegal or not permitted by us. If you do so, you must still pay 
us for these transactions and they remain subject to all other terms of our Agreement. You must reimburse the Payment Card Network and us for all damages and expenses associated with these 
transactions.  

Authorized Users 

We may limit an Authorized User’s ability to initiate certain Account transactions. If we do, we will tell you about these limitations before we add any new Authorized User on your Account. Once we add 
an Authorized User to your Account, you agree we may discuss your Account with them and provide them with Account information. You are responsible for the Authorized User’s use of the Card and 
your Account, as well as anyone else that you or they allow to use your Card or Account. This will be true, even if you did not want or agree to the use.  

If you want to remove an Authorized User from the Account, you must contact us as provided on your most recent Statement and request their removal. We will have a reasonable amount of time after 
your  request  to  research  your  Account  information  and  remove  an  Authorized  User.  You  must  immediately  destroy  all  Cards  in  the  Authorized  User’s  possession  and  cancel  all  of  their  billing 
arrangements to the Account. We will not do this for you. During this time, you are still responsible for all amounts they charge to the Account. You will be responsible, even if these amounts do not 
appear on the Account until later. An Authorized User may remove themselves from the Account at any time, upon request. We may close your existing Account, or issue a new Card with a new Account 
number, after you remove an Authorized User.  

PAGE 1 of 6 

 
 
 
 
 
Statements and Billing Cycles 

The documents or information your Statement provides after each Billing Cycle will disclose important information about your  Account, including your Account transactions, payments, Fees, Interest 
Charges, unpaid Account balances, and payment requirements. The intervals of time between your regular Statements (each, a “Billing Cycle”) are generally equal (approximately 30 days), but may vary 
slightly in length. Your first Billing Cycle may be more or less than 30 days. You must pay any Minimum Interest Charge and any Fees due after your first Billing Cycle, even if it is for a period less than 30 
days. Your Statements disclose the specific length of each Billing Cycle. Your Account will continue to have Billing Cycles, even if a Statement is not required after any Billing Cycle. We will send a single 
Statement to one of you for all Cards on your Account, except when we are not required or permitted by law to send a Statement. We will send a Statement at the end of each Billing Cycle when your 
Account has a debit or credit balance of more than $1.00, if we have charged any Interest Charges to your Account, or as otherwise required by law. 

Disputed Transactions 

You must promptly inspect each Statement you receive and tell us about any errors or questions you have, as described in the “Billing Rights” section of your Statement and this Agreement. If you do not 
notify us as provided in these disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit 
your Account for all or part of the disputed amount, you agree to:  

(1) Give us all of your rights against that other person;  
(2) Give us any merchandise or other purchases you received in connection with the disputed amount, if we ask;  
(3) Not pursue any claim or reimbursement from the merchant and other person; and  
(4) Help us pursue and obtain reimbursement from the merchant and that other person, by promptly returning documents with any signatures we may request and otherwise providing us with reasonable 
cooperation.  

Lost or Stolen Cards; Unauthorized Use  

You must take reasonable steps to prevent the unauthorized use of your Card and Account. If you notice the loss or theft of your Card, or a possible unauthorized use of your Card, you should write to us 
immediately at the address provided on your Statement or call us at the telephone number provided on your Statement. You will not be liable for any unauthorized use that occurs after you notify us. You 
may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50 (or any lesser amount required by law or as provided under the express 
terms  of  a  benefit  provided  by  a  Payment  Card  Network).  If  we  reimburse  your  Account  for  unauthorized  charges  made  using  your  Card,  you  agree  to  help  us  investigate,  pursue  and  obtain 
reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us.  

Credit Limits  

We will disclose information about your Account credit limits when we open it. Your Statements will also disclose information about your Account credit limits. We may assign different credit limits for the 
different Balance Categories of your Account. For example, your credit limit for Cash Advances, Balance Transfers, or Promotional Offers may be lower than your credit limit for Purchases or the overall 
credit limit of your Account. We may raise, lower, restrict, or cancel your credit limit on any Balance Category or the Account at any time and for any reason, subject to any notices that are required by 
law. This will not affect your obligation to pay us. You are responsible for keeping track of your Account balances and available credit. You agree not to allow your Account to go over any credit limit. We 
may honor transactions above your credit limits, but, if we do, this will not increase your credit limit and you must pay us the full amount of these transactions.  

Balance Transfers 

We may allow you to transfer balances to the Account that you owe to other creditors or financial institutions, subject to any minimum Balance Transfer amount we disclose and up to the amount of the 
credit limit we make available for Balance Transfers. You may not ask us to process a Balance Transfer for any amount you already owe to us or any of our related companies, unless we give you our 
express permission to do so.  

All Balance Transfers are subject to our approval. We will not process a Balance Transfer request we consider incomplete or illegible. You may use only the devices and methods we have approved for 
Balance Transfers. If we do not approve the full amount of any Balance Transfer you request, we may process part of the amount you request as a Balance Transfer or decline the entire request. We are 
not liable to you if we do not process part or all of any Balance Transfer you request. We may make Balance Transfers in any order we choose.  

You agree not to request a Balance Transfer for any amount that is or may be the subject of a dispute between you and any other creditor or financial institution. If you do, you understand this may 
prevent you from exercising your dispute rights against other creditors and financial institutions. We are not liable to you for disputes you may have with other creditors and financial institutions. If you 
request a Balance Transfer, you agree to monitor your other accounts and continue making the minimum payments due on these accounts until your other creditor or financial institution provides an 
account statement that shows the balance of your other account has been paid in full. This may not happen until after the Balance Transfer appears on a Statement from us. You are liable for any late 
payments, finance charges or disputed amounts on your other accounts.  If you want your other accounts closed following a balance transfer, you must instruct your other creditor or financial institution to 
do so.  

Interest Charges  

We will charge Interest Charges to your Account as shown in the Agreement, including your Account Opening Disclosures and Statements.  

We figure the Interest Charges on your Account by applying a Daily Periodic Rate to an “Average Daily Balance” of each Balance Category in your Account. To get the “Average Daily Balance,” we take 
the  beginning  balance  of  your  Account  each  day  (including  any  previously  billed  and  unpaid  Account  transactions  in  each  Balance  Category,  Interest  Charges  and  Fees);  add  any  new  Account 
transactions in each Balance Category, any new debit adjustments, and any accrued and unbilled Interest Charges and Fees (except Annual Fees); and then subtract any payments or credits. This gives 
us the “Daily Balance” in each Balance Category and results in the daily compounding of Interest Charges. Then, we add up all the Daily Balances in each Balance Category for the Billing Cycle and 
divide the total by the number of days in the Billing Cycle. This gives us the “Average Daily Balance” of each Balance Category.  

Interest Charges begin to accrue from the later of the date of the transaction or the first day of the Billing Cycle, except as prohibited by law or as otherwise described in the Agreement. Interest Charges 
accrue on each unpaid amount until it is paid in full. Interest Charges are added to the proper Balance Category of your Account.  

There is no grace period during which you can avoid Interest Charges on Cash Advances. We will not assess Interest Charges during a Billing Cycle for any new Purchases made during that Billing 
Cycle, if you pay the previous month’s New Balance in full by its payment due date or if your previous month’s New Balance was zero or a credit amount. Each month that you pay your “New Balance” in 
full by the payment due date, you will have a minimum grace period of 25 days with no Interest Charges on all new Purchases made during a Billing Cycle. If you have been paying your Account in full 
with no Interest Charges applied to Purchases, but then you do not pay your next “New Balance” in full, we will charge interest on the portion of your balance that you did not pay.  A Promotional Offer 
transaction is not subject to a grace period, unless the terms we provided with the Promotional Offer expressly state that these transactions are subject to a grace period.  

To determine the “Daily Periodic Rate” that applies to each Balance Category, we divide the corresponding Annual Percentage Rates by 365. The resulting Daily Periodic Rate is carried five places past 
the decimal point and the last digit is not rounded. We calculate your total Interest Charges by multiplying the Average Daily Balance of each Balance Category by its Daily Periodic Rate and then 
multiplying the result by the number of days in the Billing Cycle.  

Your Account Opening Disclosures disclose the Daily Periodic Rates and the corresponding Annual Percentage Rates that apply to each Balance Category. Your Account Opening Disclosures disclose 
the Minimum Interest Charges that will be due if any Balance Category of your Account is subject to Interest Charges after a Billing Cycle. Your Account Opening Disclosures also disclose which Annual 
Percentage Rates and Daily Periodic Rates may vary from Billing Cycle to Billing Cycle, based on changes to a published index rate.  These Account Opening Disclosures identify the index rate we use 
and the different margins we add to the index rate to determine the variable Annual Percentage Rates. If the Daily Periodic Rates and corresponding Annual Percentage Rates increase with changes to 
the index rate, then your Interest Charges will increase and your Minimum Payment Due and/or number of payments may also increase. 

Fees 

You must pay the following Fees we charge to your Account, in the amounts shown on your Account Opening Disclosures, shown in this Agreement, or disclosed to you at the time you ask us to provide 
particular services to you or on your behalf.  

Annual Fee: We may charge you this Fee for making the Account available and issuing Cards to you and your Authorized Users.  

Cash Advance Fee: We may charge you this Fee each time you obtain a Cash Advance. If your Account is subject to a Cash Advance Fee, we will post and treat this Fee as a Cash Advance transaction 
for purposes of calculating your Interest Charges.  

Cash Equivalent Purchase Fee: We may charge you this Fee each time you complete the Purchase of a cash equivalent (such as wire transfers, travelers’ checks, money orders, foreign currency, lottery 
tickets, gaming chips, and wagers). If your Account is subject to a Cash Equivalent Purchase Fee, we will post and treat this Fee as a Purchase transaction for purposes of calculating your Interest 
Charges.  

Balance Transfer Fee: We may charge you this Fee each time you obtain a Balance Transfer. If your Account is subject to a Balance Transfer Fee, we will post and treat this Fee as a Purchase 
transaction for purposes of calculating your Interest Charges.  

Late Payment Fee: We may charge you this Fee if we do not receive your payment in time to credit it by the due date shown on your Statement. If your Account is subject to a Late Payment Fee, we will 
post and treat this Fee as a Purchase transaction for purposes of calculating your Interest Charges.  

Returned Payment Fee: We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. If your Account is 
subject to a Returned Payment Fee, we will post and treat this Fee as a Purchase transaction for purposes of calculating your Interest Charges. 

PAGE 2 of 6 

 
 
 
 
 
Returned Convenience Check Fee: We may charge you a Fee of $30.00 each time any convenience check you use or attempt to use for Account access is returned unpaid for any reason. This Returned 
Convenience Check Fee is in addition to any separate charge the payee may assess if the convenience check is returned unpaid. If your Account is subject to a Returned Convenience Check Fee, we 
will post and treat this Fee as a Purchase transaction for purposes of calculating your Interest Charges. 

Stop Payment Fee: We may charge you a Fee of $30.00 each time you request that a stop payment be placed against any convenience check you used or attempted to use for Account access. If your 
Account is subject to a Stop Payment Fee, we will post and treat this Fee as a Purchase transaction for purposes of calculating your Interest Charges. 

Copying Fee: We may charge you a Fee of $6.00 for each copy of a transaction document or a Statement you request, unless they are required to resolve a billing dispute. If your Account is subject to a 
Copying Fee, we will post and treat this Fee as a Purchase transaction for purposes of calculating your Interest Charges. 

Foreign Transaction Fee: We may charge you this Fee each time you make a Purchase in a foreign currency or in a country outside the United States. If your Account is subject to a Foreign Transaction 
Fee, this Fee will post as a Purchase transaction for purposes of calculating your Interest Charges. 

Transactions Made in Foreign Currencies 

If a transaction is in a foreign currency, the applicable Payment Card  Network (such as Visa International or MasterCard International) will convert the transaction into U.S. dollars by using its  own 
currency conversion procedures.  The exchange rate will be determined in one of two ways. Either the exchange rate will come from the range of rates available in the wholesale currency markets for the 
transaction processing date (which may be different from the rate the Payment Card Network receives) or it will be a government-mandated exchange rate. The exchange rate used on the transaction 
processing date may differ from the exchange rate on the date of the transaction.  

Minimum Payments 

Unless an event of default occurs as described in the “Account Default” section below and we require you to make immediate payment of your entire Account balance, the “Minimum Payment Due” you 
must pay after each Billing Cycle will be the greater of:  (1) 2.5% of the New Balance, rounding up to the next higher whole  dollar amount; (2) 1.0% of the New Balance plus all accrued and unpaid 
Interest Charges, all accrued and unpaid Fees, and all past due amounts, rounding up to the next higher whole dollar amount; or (3) $15.00.  If your New Balance is less than $15.00, then you must pay 
the entire New Balance. Your Statements will provide instructions for making payments, including the Minimum Payment Due and the due date for receiving your payment. To avoid a Late Payment Fee, 
you must pay us at least this Minimum Payment Due by the due date shown on the Statement.  

In addition to the Minimum Payment Due, you may pay all or part of the total balance of your Account at any time. You must still pay at least the Minimum Payment Due after each Billing Cycle, even if 
you paid more than the Minimum Payment Due in connection with the previous Billing Cycle. We will continue to charge Interest Charges during Billing Cycles when you carry a balance, regardless of 
whether your Statement includes a Minimum Payment Due.  

Making Payments 

Your payments to us must be in U.S. dollars from a U.S. deposit account and must  otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make Account 
payments with funds borrowed from your Account or any other credit account with us or any affiliate within our family of companies. You agree to follow  the payment requirements we disclose on 
Statements from time to time. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we 
receive it, if:  

(1) you send the payment coupon included with your Statement in the same envelope with your payment;  
(2) you include your Account number on your payment; and  
(3) your payment arrives in our processing center at the address indicated on the payment coupon no later than the due date indicated on your Statement.  

If your due date occurs on a day on which we do not receive payments, any payment received the next day that conforms to the above requirements will not be treated as late. Please allow at least five 
(5) days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form may not be credited for 
up to five (5) days. This may cause you to be charged Late Payment Fees and additional Interest Charges. 

If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We 
may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made, even if that 
payment is rejected or not paid.  

How We Apply Your Payments 

We apply your payment of a Minimum Payment Due to the Balance Categories with lower Annual Percentage Rates before the Balance Categories with higher Annual Percentage Rates. We apply any 
portion of a payment that exceeds your Minimum Payment Due to the Balance Categories with higher Annual Percentage Rates before the Balance Categories with lower Annual Percentage Rates, 
except as otherwise required by law.  

Payment Processing 

We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of Account credit until we confirm that your payment 
has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle 
similar issues.  

An “Item” means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. When you provide an Item as payment, you 
authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information 
from your Item to make an electronic funds transfer, funds may be withdrawn from your deposit account as soon as the same day your payment is received and you will not receive your Item back from 
your financial institution. You may contact us and ask that we not process your future Items in this way. If we process the payment as a check transaction, you understand and agree that we may convert 
your Item into an electronic image that can be collected from your depository institution as a substitute check. We will not be responsible if an Item you provide has physical features that, when imaged, 
result in it not being processed as you intended.  

Items with Restrictive Words, Conditions or Instructions 

All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words “Paid in Full” or similar language), and all accompanying 
communications, must be mailed to and received at: FirstMerit Bank, Attn:  Bankcard Portfolio Manager – TOW829, 106 South Main Street, Akron, Ohio 44308. If you make your payment or 
send any accompanying communications to any other address, we may accept and process the payment, without losing any of our rights.  

Credit Balances 

We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. If we allow a 
credit balance after receiving a payment that exceeds the New Balance, this will not increase the credit limit of your Account and we will have no duty to authorize Account transactions that would exceed 
your Account’s credit limit. We may, at our option, reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a 
refund of any available credit balance. If you contact us in writing, we will refund your credit balance within seven (7) business days from our receipt of your written request. A business day means any 
day in which our offices are open for the processing of Account payments and credits.    

Account Default 

We may consider you in default of your Agreement with us if:  

(1) you do not make any payment when it is due;  
(2) any payment you make is rejected, not paid or cannot be processed;  
(3) you exceed a credit limit;  
(4) a bankruptcy or other insolvency proceeding is filed by or against you;  
(5) you die or are legally declared incompetent or incapacitated;  
(6) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us;  
(7) you do not comply with any term of this Agreement or any other agreement with us; or  
(8) you permanently reside outside the United States.  

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Paying the Interest Charges and Fees charged in connection with a default will not, by itself, cure the default. If you are in default, we may take the following actions without notifying you, unless the law 
says that we must notify you:  

(A) close or suspend your Account;  
(B) lower your credit limits;  
(C) increase your Minimum Payment Due;  
(D) demand that you immediately pay the entire balance owing on your Account (for example, as described in the Minimum Payment section);  
(E) continue to charge you Interest Charges and Fees as long as your balances remain outstanding;  
(F) exercise rights and remedies set forth in the Security Agreement section; and/or  
(G) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you.  

You agree to pay us all of our collection expenses to the extent permitted by applicable law.  

Credit Reports 

We may provide information about you and the Account to consumer credit reporting agencies. We may also provide information about you and the Account to others as described in our Privacy Notices. 
Information we provide might appear on credit reports about you and Authorized Users. This could include negative information, if you do not comply with the terms of this Agreement. We may obtain and 
use credit and income information about you from consumer credit reporting agencies and others, as the law allows.  

If you believe we have reported inaccurate information about you to a credit reporting agency, notify us in writing at:  FirstMerit Bank, Attn: Credit Bureau Disputes – MTG25, 295 FirstMerit 
Circle,  Akron,  Ohio  44307.  In  doing  so,  identify  yourself,  your  Account,  the  information  you  believe  is  inaccurate,  and  tell  us  why  you  believe  the  information  is  incorrect.  If  you  have  supporting 
documents or information, such as a copy of a credit report that includes information you believe is inaccurate, send us the supporting documents and information, too.  

Closing or Suspending Your Account 

You may ask us to close your Account by calling or writing us as described on your Statement. If you do, we may provide you with additional details about this process and request certain information 
from you, including payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep your Account open or reopen it.  

We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, as permitted by law, even if you are not in default. A suspension of your 
Account might be permanent or temporary.  

If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all recurring charges or similar billing arrangements connected with the Account. We will not 
do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if these amounts are charged after 
your Account is closed or suspended.  

Changes to Your Agreement 

You may not change the Agreement, unless one of our authorized officers expressly agrees to do so in a signed writing. We may, at any time, add, delete or change any term of this Agreement, unless 
the law prohibits us from doing so. We will give you any notice and wait any time period required by law before the changes take effect. If we notify you of changes, we will send you a separate notice or 
inform you on your Statement. We may send this notice to you electronically, as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in 
connection with the changes.  

Any variable Annual Percentage Rates associated with your Account can increase or decrease in each Billing Cycle, as the published index for these rates goes up or down. If we increase your Interest 
Charges for any other reason, we will notify you in writing. If we increase your Fees or change other significant Account terms, we will notify you in writing and inform you of your options, including any 
right to reject these changes. We may increase your Interest Charges for new Account transactions and your Fees after the first year of the Account. We may change any other terms of your Account at 
any time, after giving you any notice and waiting any period of time required by law.  

The Law that Applies to Your Agreement 

We  make  decisions  to  grant  credit,  open  Accounts,  and  issue  Cards  from  our  offices  in  Ohio.  The  interpretation  and  enforcement  of  this  Agreement  (including  the  exportation  of  interest)  shall  be 
governed by federal law and, to the extent state law applies, Ohio law, without regard to conflict of law principles. If any  part of this Agreement is found to be unenforceable, the remaining parts will 
remain in effect.  

Waiver 

We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing 
our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of 
any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else.  

Assignment 

This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We 
may transfer your Account and this Agreement to another company or person at any time, without your permission and without prior notice to you. If we do, they will take our place under this Agreement. 
You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your 
payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person.  

Security Agreement (If Applicable) 

Your duties and obligations to us in connection with your Account, any Cards, and this Agreement are collectively known as your “Account Obligations.”  If you apply for an Account and sign or initial a 
document to pledge and grant a security interest in funds on deposit with us, then you also agree to maintain security deposit funds at least equal to one hundred twenty-five percent (125%) of the credit 
limit of your Account as collateral and security for your Account Obligations. For example, we will require at least $1,250 in security deposit funds for an Account with a $1,000 credit limit.  

We  will  hold  and  maintain  all  security  deposit  funds  in  a  deposit  account  at  FirstMerit  Bank,  including  a  savings  account  or  an  account  evidenced  by  a  certificate  of  deposit  and  any  subsequent 
extensions, renewals, or replacements of that deposit account (the “Security Deposit Account”). As security for your Account Obligations, you unconditionally and irrevocably pledge, assign, and grant to 
us a security interest in the Security Deposit Account, any funds deposited or held at any time in the Security Deposit Account, and any instrument we may issue to evidence your Security Deposit 
Account. You agree, irrevocably and unconditionally, to give up all possession and control over any funds deposited or held in the Security Deposit Account. You agree to take any actions we request to 
perfect, protect or continue the first lien position of our security interest in funds held at any time in the Security Deposit Account. 

You agree that you have no right to withdraw security deposit funds from the Security Deposit Account at any time, except as authorized by this Agreement or otherwise required by law. We may, at our 
option, allow you to deposit additional security deposit funds to the Security Deposit Account, to increase the credit limit of your Account. If you request a decrease in the credit limit of your Account, you 
understand and agree that we may hold security deposit funds in excess of one hundred twenty-five percent (125%) of your Account credit limit for as long as we consider appropriate or necessary. You 
may not withdraw security deposit funds or request a refund of security deposit funds at any time, except to the extent you pay all of your Account Obligations to us in full and close your Account. 

We will maintain separate records to account for the security deposit funds held in the Security Deposit Account. The interest we may pay on security deposit funds, if any, shall be as described in the 
separate terms and conditions that apply to the Security Deposit Account. You agree that we are not required to pay any interest on security deposit funds held in the Security Deposit Account, unless we 
have expressly agreed to do so in separate terms and conditions that specifically apply to the Security Deposit Account.  If any interest is earned on security deposit funds, you agree that we may add 
that interest to the Security Deposit Account as proceeds to secure your Account Obligations, regardless of any terms to the contrary that may appear in the separate terms of the Security Deposit 
Account.  

Any default by you under this Agreement, including any failure to pay Account Obligations when due, will also make you in default of this Security Agreement section. If you fail to pay the full amount of 
any Minimum Payment Due within sixty (60) days of its payment due date or the Account balance exceeds one hundred ten percent (110%) of the Account credit limit, you authorize us to withdraw 
security deposit funds from the Security Deposit Account and apply those security deposit funds to pay part or all of your Account Obligations, without the need to send you any additional notices or 
demand for payment, unless we are expressly required to do so by applicable law. If you or we close your Account for any reason or we otherwise require that you make immediate payment of your 
entire Account balance following an Account default, you agree that we may apply all of the security deposit funds then held  in the Security Deposit Account in payment of your outstanding Account 
Obligations. If this happens, we will return any excess security deposit funds that may be due to you within sixty (60) days  after we apply these security deposit funds in full and final payment of your 
Account Obligations. If you have any Account Obligations that remain outstanding or become due after we apply the security deposit funds, you agree to pay those Account Obligations immediately and 
in full, as required by this Agreement. Our rights in this Security Agreement section are in addition to all of the other rights we have under law and this Agreement.  

If your Account is a joint Account, you understand and agree that we may release security deposit funds as instructed by any one of you, without liability to any other person responsible for the Account. 
The notice we give to any one of you will be considered as notice to all of you.  

If your Account becomes subject to bankruptcy proceedings, we will treat the security deposit funds as required by the  law that governs those bankruptcy proceedings. If you become a debtor in a 
bankruptcy proceeding, you agree to recognize us as a perfected secured creditor with respect to the Security Deposit Account and to declare the Security Deposit Account as exempt property pursuant 
to the United States Bankruptcy Code or applicable state exemption laws.  

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You agree that there are no current disputes, lawsuits or bankruptcy proceedings that might affect our rights to and interest in the security deposit funds. You agree that you shall not attempt to transfer 
any interest in the security deposit funds to any party other than us or offer the security deposit funds as security for any obligations other than your Account Obligations. If your Account, the Security 
Deposit Account, or the security deposit funds held in the Security Deposit Account become involved in any legal proceeding, you understand and agree that we may restrict access to all of the security 
deposit funds held in the Security Deposit Account until we determine that the matter is fully resolved. 

Overdraft Protection (If Applicable) 

You  may  sign  or  initial  a  document  asking  us  to  make  Cash  Advances  from  this  Account  to  prevent  overdrafts  associated  with  a  designated  checking  account  you  maintain  with  us  (“Overdraft 
Protection”). If we agree to provide Overdraft Protection, you agree that we may make Cash Advances at least equal to the amount by which your designated checking account becomes overdrawn and 
then deposit these Cash Advances to your designated checking account as described in this section.  

For any overdraft associated with your designated checking account, you agree that we may make a minimum Cash Advance of $75.00 and increase that amount in multiples of $25.00 until the Cash 
Advance amount equals or exceeds amount of each overdraft. Overdraft protection will be extended up to your available credit card balance.  

Cash Advances we make for Overdraft Protection purposes are subject to the Interest Charges, Fees, and all other terms and conditions of this Agreement that apply generally to Cash Advances. You 
understand and agree that we are not obligated to make a Cash Advance for Overdraft Protection purposes if you are in default of this Agreement or if making any such Cash Advance would cause your 
Account to exceed its credit limit, but we may, at our option, elect to do so.  

You or we may cancel the Overdraft Protection feature of the Account at any time. If we send you written notice to cancel your Overdraft Protection, our cancellation shall be effective five (5) calendar 
days after we mail the cancellation notice to the most recent address we maintain for any one of you in our Account records, except as otherwise required by applicable law. You may cancel Overdraft 
Protection by  sending  written notice  to  us  at FirstMerit  Bankcard Center, P.O. Box  1499,  Akron, Ohio 44309. Your  cancellation  will  take effect  five  (5) days after we  receive  notice at  this  address. 
Overdraft Protection shall be automatically and immediately cancelled when the Account or your designated checking account is cancelled or otherwise terminated, or if you convert the checking account 
to a different type of deposit account for which Overdraft Protection is unavailable. 

The documents relating to credit card accounts that FirstMerit Bank offers or provides to you, including but not limited to the Account application, the Consumer Credit Card 
Agreement, the Account Opening Disclosures, and any additional disclosures we may provide to you about the Account, are subject to an arbitration provision that is part of the 
Agreement between you and us. You should carefully read the arbitration provision. It will affect the way in which you or we resolve any claim that we have against each other in 
connection with your Account. 

NOTICE OF ARBITRATION PROVISION 

THIS ARBITRATION PROVISION CONTAINS IMPORTANT INFORMATION ABOUT YOUR CREDIT CARD ACCOUNTS WITH US.  IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE 
THAT ANY CLAIMS (AS DEFINED BELOW) BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE ABILITY TO 
PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.  IN ARBITRATION, THE CLAIM IS SUBMITTED TO A NEUTRAL PARTY, AN ARBITRATOR, INSTEAD OF A JUDGE OR 
JURY.  ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT.  THE DECISION OF THE ARBITRATOR IS FINAL AND BINDING. 

This Arbitration Provision describes when and how a Claim (as defined below) related to an Account may be arbitrated. The term “Account” means any credit card account that FirstMerit Bank, N. A. 
offers  or  provides  to  you.  The  terms  “we”,  “us”  and  “our”  mean:    (i)  FirstMerit  Bank,    its  parent  companies,  wholly  or  majority-owned  subsidiaries,  affiliates,  successors,  assigns  and  any  of  their 
employees, officers and directors; and (ii) any third party providing any services in connection with an Account, if such third party is named as a party by you in any lawsuit between you and us. The term 
“Card” means any credit card, Account number, or other Account access device that allows you to obtain Account credit from us. The terms “you” and “your” mean each person (as an individual) and all 
persons (as a group) who apply for the Account, who are responsible for repaying the Account, and on whose behalf we issue a Card. The terms “you” and “your” also mean a person you authorize or 
allow to use, access, or service a Card or the Account. By opening an Account with us or accepting or using any Account services, you agree to all of the terms of this Arbitration Provision.  By opening 
an Account with us, you also agree that our agreement with you involves interstate commerce.  That is, you and we recognize that due to the very nature of a Card or Account agreement, that more than 
one state of the United States is likely to be involved in the agreement that we have reached. 

(a)  What Claims Are Covered:  Except as otherwise limited by this Arbitration Provision, a “Claim” means any claim, dispute or controversy between you and us that in any way arises from or relates to 
an Account. It includes any claim, dispute or controversy concerning any fees or charges relating to any Account and any services relating to any Account, including but not limited to transaction services, 
funds transfer services, rewards services, on-line or telephone banking services, automated teller machine services and Card services. It includes not only any claim, dispute or controversy directly 
between you and us, but also any such matter with respect to anyone connected with you or claiming through you, such as a joint Account obligor, an authorized user of the Account, trustee, guardian or 
any other representative or agent. “Claim” has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, 
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). Subject to paragraph (e) 
below, it also includes disputes about the validity, enforceability, arbitrability or scope of this Arbitration Provision and any agreements relating to the Account. However, “Claim” does not include any 
individual action in court by one party that does not involve a request for damages or monetary relief of any kind. We will not choose to arbitrate an individual Claim that you bring against us in small 
claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the right to choose arbitration. Nothing in this Arbitration 
Provision limits or constrains any right to self-help remedies, such as any:  (i) right of set-off or the right to restrain funds in a deposit account; (ii) right or obligation to interplead funds in the event of a 
dispute; (iii) right to exercise any security interest or lien in property; (iv) obligation to comply with legal process; or (v) right to obtain provisional remedies such as injunctive relief, seizure, attachment or 
garnishment by a court having appropriate jurisdiction.   

(b)  How Arbitration Is Started:  Either you or we may require any Claim to be arbitrated. Arbitration is started by giving written notice to the other party of the intent to start or to compel arbitration. 
Except as otherwise provided by the Federal Arbitration Act, this notice may be given before or after a lawsuit has been started over the Claim or with respect to other Claims brought later in the lawsuit. 
If you start the arbitration, you must notify us at the following address: FirstMerit Bank, Credit Card Account Arbitration, Attention: Bankcard Portfolio Manager – TOW829, 106 South Main Street, 
Akron, Ohio 44308.  If we start the arbitration, we will notify you in writing at your last known address we have on file. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent 
not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration administrator. 

(c)  Choosing the Administrator:  The party requiring arbitration must choose one of the following arbitration agencies as the administrator: American Arbitration Association (www.adr.org) or JAMS 
(www.jamsadr.com). In all cases, the arbitrator(s) must be a lawyer with more than 10 years of experience. However, no arbitration may be administered by an arbitration agency that will not follow, or 
has  any  policies  or  procedures  materially  inconsistent  with,  the  terms  of  this  Arbitration  Provision.  If  for  any  reason  the  chosen  arbitration  agency  is  unable  or  unwilling  or  ceases  to  serve  as  the 
administrator, or does not qualify or ceases to qualify as an administrator under the terms of this Arbitration Provision, the party requiring arbitration will have 20 days to choose a different administrator, 
consistent with the requirements of this Arbitration Provision, from among the above-named arbitration agencies. If none of the above-named arbitration agencies qualifies to be an administrator under 
the terms of this Arbitration Provision, the parties shall, within 20 days after learning of such disqualification, agree on another arbitration agency that does qualify under the terms of this Arbitration 
Provision. In the absence of such agreement, either party may  apply to a court of competent jurisdiction for the court to appoint an administrator that does qualify under the terms of this Arbitration 
Provision. 

(d)  Court and Jury Trials and Class Action Procedures Prohibited and Other Limitations on Legal Rights:  If arbitration is chosen with respect to a Claim, all of the following apply: 

  There will be no right to try that Claim in court. 
  There will be no jury trial on that claim. 
  There will be no discovery, except as allowed by the arbitration rules of the administrator or by this Arbitration Provision. 
  We and you are prohibited from participating in a class action or class-wide arbitration with respect to that Claim (the “Class Action Waiver”). This means that neither we nor you can be a 
representative or, member of any class of claimants or act as a private attorney general or in any other representative capacity in court or in arbitration with respect to that Claim. This also means 
that the arbitrator has no power or authority to conduct any class-wide arbitration. 

  Claims brought by or against one or more of you may not be joined or consolidated in the arbitration with Claims brought by or against any other person connected with a different Account (unless 

such persons are joint Accountholders or authorized users of one of your Accounts). 

  Except as allowed by this Arbitration Provision and the Federal Arbitration Act, the arbitrator’s decision will be final and binding. 
  Other rights that you or we would have in court may also not be available in arbitration. 

(e)  Effect of Class Action Waiver:  Regardless of anything else in this Arbitration Provision, the validity and effect of the Class Action Waiver must be determined only by a court and not by an arbitrator 
or by any policies or procedures of the administrator. If the Class Action Waiver is invalidated or not enforced, then this entire Arbitration Provision (except for this sentence) shall be null and void. 
Nothing in this paragraph (e) shall affect the right of any party to appeal any invalidation or non-enforcement of the Class Action Waiver. 

(f)  Location of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to your residence.  

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(g)  Cost of Arbitration:  Each administrator charges fees to administer an arbitration proceeding. This may include fees not charged by a court. When you choose an administrator, you should carefully 
review the fees charged by the administrator.  If we require a Claim to be arbitrated, we will pay or reimburse you for up to $250.00 in fees that would otherwise be charged to you by the administrator. 
However, if either we or you require a Claim to be arbitrated, you may tell us in writing that you can’t afford to pay the fees charged by the administrator or that you believe those fees are too high. If you 
do so, we will pay or reimburse you for up to all of the fees that would otherwise be charged to you by the administrator if  your request is reasonable and in good faith. We will always pay the fees if 
applicable law requires us to. We will not ask you to pay or reimburse us for any fees we pay the administrator. Each party must pay the expense of that party’s  attorneys, experts and witnesses, 
regardless of which party prevails in the arbitration, unless applicable law and/or this Arbitration Provision and/or any agreements governing the Account give a party the right to recover any of those fees 
from the other party. 

(h)  Governing Law:  This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. and not by any state arbitration law. The arbitrator must apply applicable substantive law 
consistent with the Federal Arbitration Act and applicable statutes of limitations and claims of privilege recognized at law. In addition to the Federal Arbitration Act, this Arbitration Provision is governed by 
other Federal law of the United States of America. To the extent Federal law does not apply, the law of the state governing your Account applies. The arbitrator is authorized to award all remedies 
permitted by the substantive law that would apply if the action were pending in court. At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. 

(i)  Right to Discovery:  In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the administrator, either party may submit a written request to the arbitrator to expand the 
scope of discovery normally allowable under the arbitration rules of the administrator. The arbitrator shall have discretion to grant or deny that request. 

(j)  Arbitration Result and Right of Appeal:  Judgment upon the award given by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision is final and binding, except for any 
right of appeal provided by the Federal Arbitration Act. However, if the amount of the Claim exceeds $25,000, any party can appeal the award to a three-arbitrator panel administered by the administrator 
which shall reconsider any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to “the arbitrator” shall 
mean the panel of arbitrators if an appeal of the arbitrator’s decision under this section has been taken. Subject to applicable law, costs of such an appeal (including attorney fees) will be borne by the 
appealing party regardless of the outcome of the appeal. However, we will consider any good faith, reasonable request for us to pay all or any part of those fees if you are the appealing party. 

(k)  Rules of Interpretation:  This Arbitration Provision shall survive:  (i) the termination or closing of the Account or related services; (ii) any changes to the Account or related services; (iii) any legal 
proceeding; (iv) any use of the right of set-off or any other self-help remedy or other remedy or action permitted by this Arbitration Provision; (v) any transfer or assignment of the Account; and (vi) any 
bankruptcy of any party (to the extent consistent with applicable bankruptcy law). Subject to paragraph (e), if any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not 
invalidate  the  remaining  portions  of  this  Arbitration  Provision,  provided  that  such  remaining  portions  are  not  then  materially  inconsistent  with  the  terms  of  this  Arbitration  Provision  prior  to  such 
determination of invalidity or unenforceability. In the event of a conflict or inconsistency between this Arbitration Provision and the applicable arbitration rules, this Arbitration Provision shall govern. 

 (l)  Right to Reject Arbitration:  If you do not want this Arbitration Provision to apply, you may reject it by mailing a written notice to us at the following address that describes your Account and states 
that you are rejecting this Arbitration Provision:  FirstMerit Bank, Credit Card Arbitration Opt-Out, Attention: Bankcard Portfolio Manager – TOW829, 106 South Main Street, Akron, Ohio 44308.  
A rejection notice is effective only if it is signed by you and the envelope that the rejection notice is sent in is postmarked no more than 30 calendar days after the date you received the Consumer Credit 
Card Agreement.  If you reject this Arbitration Provision, it will not affect any other provisions of the Agreement or your obligations under the Agreement.  If you do not properly reject this Arbitration 
Provision, it will be effective the first time you or any authorized user use any Card or the Account.   

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, write to us at the address provided on your billing statement.  

In your letter, give us the following information: 

• Account information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error. 
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error 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. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.  

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  

While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit. 

After we finish 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 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled 
between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the purchase.  

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement  we mailed to you, or if we own the company that sold you the goods or services.) 

2. 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. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address provided on your billing statement.  

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. 

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