Celtic Bank 
Indigo® Platinum MasterCard® 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
for Purchases 
APR for Cash Advances 

23.9% 

29.9% 

Penalty APR and When It 
Applies 

29.9% 

This APR may be applied to your account if you: 

1.  Make a late payment. 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Set Up and Maintenance Fees 

  Annual Fee 
Transaction Fees 

  Cash Advance Fee 

How Long Will the Penalty Rate Apply?  If your APR is increased for the 
above reason, the Penalty APR may apply to your account indefinitely. 
Your due date is at least 25 days after the close of each billing cycle.  We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on cash advances 
on the transaction date. 
If you are charged interest, the charge will be no less than $.50. 
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. 

NOTICE:  Some of the set up and maintenance fees will be assessed before 
you begin using your card and will reduce the amount of credit you initially 
have available.  Based on an initial credit limit of $300, your initial available 
credit will be only about $300. 

You may reject this plan, provided that you have not yet used the account or 
paid a fee after receiving a billing statement.  If you do reject this plan, you 
are not responsible for any fees or charges. 

$0 

$0 during the first year; after the first year, either $5 or 5% of the amount of 
each transaction, whichever is greater (not to exceed $100) 

  Foreign Transaction Fee 

1% of each transaction 

Penalty Fees 

  Late Payment Fee 

  Overlimit Fee 

  Returned Payment Fee 

Up to $37 

Up to $37 

Up to $37 

How We Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”. 

1473-1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
JOB SPECS:
Flat Size:
8.25” x 20” 

Finished Size: 
8.25” x 3.75” 

Colors: 

Front: Black
Back: Black 

Bleed: No 

Note: None 

Indigo® Platinum MasterCard® Cardholder Agreement

F03-U665-6

Dear Cardholder: 
This Cardholder Agreement, along with your Application, Card, Card Carrier, and 
the written materials containing the terms of our agreement with you described 
in the next paragraph (collectively, the “Agreement”), is your contract concerning 
the use of your Account. The Agreement contains certain disclosures required 
by the Federal Truth in Lending Act, along with important information about your 
Account. We encourage you to read all of the Agreement and keep it for your 
records. Please feel free to call us with any questions you may have. We look 
forward to serving you.

CARDHOLDER AGREEMENT 

This Agreement contains the terms that govern the use of your Indigo Platinum MasterCard Account 
and outlines both your responsibilities and ours. Please read it in its entirety and keep it for your 
reference. In addition, any written application, acceptance certificate or other request you signed 
or otherwise submitted for this Account (the “Application”), your Card and the Card Carrier that 
we send with your Card, and your signature (including any electronic or digital signature) on any 
Application, sales slip or other evidence of indebtedness on your Account, are hereby incorporated 
into and made a part of this Agreement. This Agreement begins on the earlier of (i) the date you sign 
or otherwise submit an Application that is approved by us, or (ii) the first date that we extend credit 
to you on your Account, as evidenced by a signed sales slip or memorandum, a Cash Advance 
transaction, or otherwise. 

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both in this 
Agreement and in your monthly Statements. In addition, the words you, your, and yours refer to the 
Cardholder(s) who holds the Card and is responsible for the Account, each of whom is individually 
and jointly obligated under this Agreement. The words we, us, and our refer to Celtic Bank. 
Account: The credit card account for which you were issued a Card imprinted with your Account 
number and that is subject to all of the terms and conditions of this Agreement. 
ATM: Automated Teller Machine. 
Authorized User: Person who may use the Card but is not responsible for the repayment of the 
Account. Person must be at least 16 years of age. 
Billing Cycle: The time interval covered by a monthly Statement. Each Billing Cycle is approximately 
30 days in length; however, the specific period of time is described on each monthly Statement. 
Your Account will have a Billing Cycle even if a Statement is not required. 
Card: Any Indigo Platinum MasterCard issued by us that you may use to obtain a Cash Advance, 
make Purchases, or lease goods or services on credit. Use of your Account number to obtain credit 
will be considered a use of the Card. 
Card Carrier: The carrier that contains your Card.
Cardholder: The person to whom a Card is issued, or who has agreed to pay obligations arising 
from a Card issued to another person.
Cash Advance: Credit extended to you in the form of a cash loan through any financial institution 
honoring the Card either presented directly or through any other credit instrument, check, device, 
overdraft coverage plan or ATM that we make available to you or that you use. All cash equivalent 
transactions will be treated as Cash Advances and will be billed to the Cash Advance segment 
of  your  Account.  Transactions  that  we  view  as  “cash  equivalent  transactions”  include  without 
limitation  using  your  Card  to  purchase  wire  transfer  money  orders,  bets,  lottery  tickets,  casino 
gaming chips, and other similar products and services.
Closing Date: The date of the last day of a Billing Cycle.
Credit Limit: The maximum amount of credit available to you on your Account. Your Credit Limit will 
be disclosed on your Card Carrier and your monthly Statements.
Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods 
or services from participating establishments.
Statement: A monthly document we provide to you showing Account information including, among 
other things, Purchase and Cash Advance transactions, credits and debits, payments, fees, and 
interest charges made to your Account during a Billing Cycle. 

Purchases and Cash Advances. You may use your Card to purchase or lease goods or services 
from  participating  establishments.  You  may  also  use  your  Card  to  obtain  Cash  Advances  from 
your  Account  at  an  ATM,  or  by  presenting  it  to  any  institution  that  accepts  the  Card  for  that 
purpose. There are dollar limitations on individual Cash Advance transactions, and we may set a 
Cash Advance Limit for your Account. Please contact us for information about the Cash Advance 
limitations that apply to your Account. In addition, we may limit your Account to only one Cash 
Advance transaction per day.
You promise to pay us and are liable for all amounts resulting from the authorized use of your Card 
or Account, plus any applicable interest charges and other applicable charges or fees, payable in 
U.S. dollars. This includes amounts where you did not sign a purchase slip or other documents for 
the transaction. If you use your Account number without presenting your actual Card, such as for 
mail, telephone, or internet purchases, this will be treated the same way as if you presented your 
Card. Your promise to pay us will apply to your estate if you die.
We  may  limit  and  restrict  the  use  of  the  Account/Card  at  our  discretion.  Such  limitations  and 
restrictions include, but are not limited to, gambling transactions, which include, but are not limited 
to, internet-related lottery tickets, casino gambling chips, off-track betting and wagers at racetracks. 
You remain responsible for use of your Account/Card in any such transactions.
The Card may only be used for valid and lawful purposes. If you use, or you authorize someone 
else to use, the Card or Account for an unlawful or impermissible purpose, you will be responsible 
for such use and may be required to reimburse us or MasterCard for any amounts or expenses we 
or they incur as a result of such use.
The Card is and remains our property, and you will surrender it to us at any time upon request. 

Your Credit Limit. You may not use your Account in any way that would cause you to go over your 
Credit Limit. We may refuse to authorize or accept any transaction on your Account that would 
cause you to exceed your Credit Limit, even if you have authorized us to charge you an Overlimit 
Fee for doing so. We may temporarily agree to allow you to exceed your Credit Limit; however, 
in that case you must repay the excess amount according to the terms of this Agreement. Any 
transactions honored in excess of your Credit Limit will not result in an increase of your Credit Limit. 
We may at any time and without prior notice to you increase or decrease your Credit Limit, limit the 
Credit Limit for Cash Advances or take away your ability to obtain Cash Advances. 

MAKING PAYMENTS 

Monthly Statements. We will send a Statement at the end of each monthly Billing Cycle if there 
is a debit or credit balance on your account of $1 or more, a balance on which an interest charge 
has been imposed, or as otherwise required by applicable law. You agree to pay us, or any party 
to whom we may transfer and assign your Account or the amounts owing under your Account, in 
U.S. dollars according to all terms and conditions of this Agreement. Payments made by a check, 
money order or other negotiable instrument must be in a form acceptable to us and drawn on a 
U.S. financial institution. 

Monthly Minimum Payment. The Monthly Minimum Payment is 7% of your New Balance or $40, 
whichever is greater. If you elect not to pay your New Balance in full, you must pay at least the 
Monthly Minimum Payment by the Payment Due Date shown on your Statement, which is at least 
25  days  after  the  Closing  Date  of  the  Billing  Cycle.  Your  Monthly  Minimum  Payment  also  will 
include any past due amount or any amount by which the New Balance exceeds your Credit Limit, 
whichever is greater. If your New Balance is less than or equal to your Monthly Minimum Payment, 
then your Monthly Minimum Payment will be equal to your New Balance.
Payments should be mailed with the payment coupon and in the envelope provided and following 
the  other  instructions  on  the  Statement  to  Bankcard  Services,  P.O.  Box  205458,  Dallas,  Texas 
75320-5458. Any payment received in that form and at that address on or before 5:00 P.M., Eastern 
Time, on a normal banking day will be credited to your Account that day. If your payment is received 
in that form and at that address after 5:00 P.M., Eastern Time, on a normal banking day, or any 
time  on  a  non-banking  day,  we  will  credit  it  to  your  Account  the  next  banking  day.  However,  if 
your Payment Due Date occurs on a non-banking day, any payment received the next day which 
conforms to the above requirements will not be treated as late. Please allow at least seven (7) 
business days for postal delivery. Payments received by us at any other location or in any other 
form may not be credited as of the day we receive them.
If we accept a payment at a place other than the address in the immediately preceding paragraph, 
we may delay the crediting of the payment for up to five (5) days. This may cause you to incur 
Late Payment Fees and additional interest charges, and may result in your Account being declared 
in default.
We do not accept cash payments through the mail. You may not make payments with funds from 
your Account or any other credit account issued by us.
When you provide a check as payment, you authorize us either to use information from your check 
to make a one-time electronic fund transfer from your account or to process the payment as a 
check transaction. When we use information from your check to make an electronic fund transfer, 
funds may be withdrawn from your account as soon as the same day we receive your payment and 
you will not receive your check back from your financial institution.
At any time, you may pay part or all of the full amount you owe without incurring any additional 
charge for prepayment. The amount of any payment that exceeds your total New Balance will be 
applied as a credit to your Account, and any remaining credit balance will be refunded as required 
by law.
Credit availability may be delayed at our sole discretion to ensure payment in good funds. Your 
available credit on your Credit Limit may not reflect your payments for up to 14 days. 

Application  of  Payments.  For  each  Billing  Cycle,  payments  up  to  the  amount  of  your  Monthly 
Minimum Payment will be allocated in any way we determine, including to balances with lower 
Annual Percentage Rates before balances with higher Annual Percentage Rates. We will generally 
apply payments up to the amount of your Monthly Minimum Payment in a manner most favorable 
or convenient for us. 
For each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, we will 
apply these excess amounts in the order required by applicable law. 

HOW INTEREST CHARGES ARE DETERMINED 

Your interest charge for any Billing Cycle will include the following components, the total of which 
constitutes your total interest charge for the Billing Cycle:

1.  A Cash Advance Transaction Fee interest charge imposed on each Cash Advance transaction 
posted during a Billing Cycle, in an amount equal to the greater of $5 or 5% of the amount 
of each Cash Advance. Any unpaid Cash Advance Transaction Fee interest charges will be 
added to the calculation of your Average Daily Balance of Cash Advances. We will not charge 
any Cash Advance Transaction Fees, however, during the one-year period beginning on the 
date you open your Account. 

2.  Periodic interest charge computed by applying the applicable Monthly Periodic Rate or Rates, 
determined as provided below under Computing the Purchase and Cash Advance Balance 
Monthly Periodic Rates and Corresponding Annual Percentage Rates (APR) to:

a.  your Average Daily Balance of Cash Advances (including new Cash Advances); and
b.  your Average Daily Balance of Purchases (including new Purchases).

However,  if  the  total  of  the  amounts  so  computed  is  an  amount  less  than  $.50,  then  a 
minimum interest charge of $.50 will be imposed instead of such smaller amounts and will 
be treated as an interest charge on Purchases.

3.  A Foreign Currency Conversion Fee interest charge in an amount equal to 1% of the converted 
U.S.  dollar  amount  of  each  transaction,  including  Cash  Advances  and  Purchases,  that  is 
effected in any currency other than U.S. dollars. 

When Interest Charges Begin to Accrue. Interest charges on Purchases will be imposed at the 
applicable Monthly Periodic Rate from the date each Purchase is made, and will continue to accrue 
on unpaid balances as long as they remain unpaid. However, we do not assess interest charges in 
the following circumstances:

1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the Payment 
Due Date during the previous Billing Cycle, or if that New Balance was $0 or a credit balance, 
then:

a.  if you pay the New Balance on your current Statement in full by the Payment Due Date 
in your current Billing Cycle, we will not assess interest charges on Purchases during 
your current Billing Cycle; and

b.  if you make a payment that is less than the New Balance by the Payment Due Date in 
your current Billing Cycle, we will credit that payment as of the first day in your current 
Billing Cycle.

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay 
that New Balance by the Payment Due Date during that previous Billing Cycle, then we will 
not assess interest charges on any Purchases during the current Billing Cycle if you pay the 
New Balance at the beginning of your current Billing Cycle by the Payment Due Date in your 
current Billing Cycle.

Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate 
from the date each Cash Advance is made and will continue to accrue on unpaid balances as long 
as they remain unpaid. There is no grace period on Cash Advances and there is no period within 
which to pay to avoid interest charges on Cash Advances. 

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges 
Average  Daily  Balance  of  Purchases  (including  new  Purchases):  To  get  the  Average  Daily 
Balance of Purchases, we take the beginning Purchase balance of your Account each day, including 
unpaid interest charges on Purchases and Foreign Currency Conversion Fee interest charges on 
Purchases,  add  any  new  Purchases  as  of  the  date  of  transaction,  and  subtract  the  applicable 
portion of any payments and credits as of the transaction date. This gives us the daily balance for 
Purchases. Then we add all these daily balances for the Billing Cycle together and divide the total 
by the number of days in the Billing Cycle. This gives us the Average Daily Balance of Purchases.
Average Daily Balance of Cash Advances (including new Cash Advances): To get the Average 
Daily Balance of Cash Advances, we take the beginning Cash Advance balance of your Account 
each day, including unpaid interest charges on Cash Advances and Foreign Currency Conversion 
Fee interest charges on Cash Advances, add any new Cash Advances as of the date of transaction, 
add the Cash Advance Transaction Fee interest charge on any Cash Advances as of the transaction 
date of each Cash Advance, and subtract the applicable portion of any payments and credits as of 
the transaction date. This gives us the daily balance for Cash Advances. Then we add all these daily 
balances for the Billing Cycle together and divide the total by the number of days in the Billing Cycle. 
This gives us the Average Daily Balance of Cash Advances. 

Computing the Purchase and Cash Advance Balance Monthly Periodic Rates and Corresponding 
Annual Percentage Rates (APR) 
Monthly  Periodic  Rates:  The  Monthly  Periodic  Rate  is  calculated  by  dividing  the  APR  by  12. 
The standard Purchase APR is 23.9% and the standard Monthly Periodic Rate for Purchases is 
1.9916%. The standard Purchase APR and Monthly Periodic Rate will apply to Purchases unless 
the penalty APR and Monthly Periodic Rate apply, as described in the next paragraph.
The APR and Monthly Periodic Rate for Purchases will increase if we do not receive any Monthly 
Minimum Payment within 60 days of the date and time due. In such circumstance, the penalty APR 
and  Monthly  Periodic  Rate  will  apply  to  your  Purchases,  including  new  Purchases  and  existing 
Purchase balances. The penalty Purchase APR is 29.9% and the penalty Monthly Periodic Rate 
for Purchases is 2.4916%. If we receive six consecutive Monthly Minimum Payments when due 
after the increase to the penalty APR, then, starting with the next Billing Cycle, the penalty APR will 
no longer apply and the standard APR will apply to all Purchases. Otherwise, the penalty rate may 
continue to apply to your Account indefinitely. 
The Cash Advance APR is 29.9% and the Monthly Periodic Rate for Cash Advances is 2.4916%. 

OTHER FEES 

In addition to interest charges, a variety of fees may be applied to your Account, as set forth below. 

Annual Fee. We will charge an initial Annual Fee of $0 to your Account on or about the date your 
Account is opened and then a renewal Annual Fee of $0 on or about each anniversary of that date. 
The initial Annual Fee is nonrefundable; the renewal Annual Fee is also nonrefundable unless you 
notify us to cancel your Account within 30 days from the mailing date of the billing Statement or 
other communication containing the renewal Annual Fee notice. 

Authorized User Fee. If you ask us and we agree to add an Authorized User to your Account, we will 
charge an Authorized User Fee of $25 to your Account at the time such Authorized User is added. 

Late Payment Fee. If we do not receive your Monthly Minimum Payment by the Closing Date of the 
Billing Cycle in which the Payment Due Date occurs and the amount past due on your Account is 
more than $9.99, we will charge a Late Payment Fee to your Account. The Late Payment Fee is $27 
if you were not charged a Late Payment Fee during any of the prior six Billing Cycles. Otherwise, the 
Late Payment Fee is $37. The Late Payment Fee will never exceed the amount of your most recently 
required Monthly Minimum Payment. 

Minimum  Interest  Charge  Fee.  If  the  periodic  interest  charge  amounts  computed  in  the  How 
Interest Charges Are Determined section are an amount less than $.50, then a Minimum Interest 
Charge Fee of $.50 will be charged instead of such smaller amounts and will be treated as a fee on 
your billing statement and added to your Purchases at our discretion. 

Returned Payment Fee. If any payment on your Account is returned to us unpaid for any reason, 
we will charge a Returned Payment Fee to your Account. The Returned Payment Fee is $27 if you 
were not charged a Returned Payment Fee during any of the prior six Billing Cycles. Otherwise, the 
Returned Payment Fee is $37. The Returned Payment Fee will never exceed the amount of your 
most recently required Monthly Minimum Payment. 

Overlimit Fee. If you elected to have overlimit coverage, we may charge an Overlimit Fee when a 
transaction causes you to go over or remain over your Credit Limit during any Billing Cycle. We 
may also charge you two additional Overlimit Fees if your New Balance remains over your Credit 
Limit as of the Payment Due Date in future Billing Cycles. We will only charge you one Overlimit 
Fee per Billing Cycle, even if you go over your Credit Limit multiple times in the same Billing Cycle. 
The Overlimit Fee is $27 if you were not charged an Overlimit Fee during any of the prior six Billing 
Cycles.  Otherwise,  the  Overlimit  Fee  is  $37.  The  Overlimit  Fee  will  never  exceed  the  maximum 
amount you are over your Credit Limit during the Billing Cycle. 

Priority Processing Fee. If you elect to have expedited delivery of your Card, we will charge a 
Priority Processing Fee of $25 to your Account. 

Documentation  Fee.  You  may  request  a  copy  of  a  Statement  previously  sent  to  you  for  a 
Documentation Fee of $3 per Statement, which will be applied to your Account. Copies of sales 
tickets or other items posted to your Account may be obtained for a Documentation Fee of $10 per 
sales ticket or other item, which will be applied to your Account. Notwithstanding the foregoing, we 
will not impose any fee in connection with a good faith assertion of a billing error or other exercise 
of your Billing Rights (see below under “Your Billing Rights - Keep This Notice for Future Use”). 

LOST CARDS AND UNAUTHORIZED USE 

You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your 
Card is lost or stolen or if someone else might be using it without your permission, you must tell 
us at once. You may tell us by calling the telephone number on the back of your Card or on your 
Statement or by writing us at the address on your Statement. You will not be responsible for the 
charges  made  to  your  Account  that  are  found  by  us  to  be  unauthorized.  If  we  reimburse  your 
Account for unauthorized charges made using your Card or Account, you will help us investigate, 
pursue, and get reimbursement from the wrongdoer. Your help includes giving us documents that 
we ask for and are acceptable to us. 

OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording; Communications. You consent and agree that, except as 
restricted by applicable law, we may monitor and/or record telephone calls regarding your Account, 
suppress caller identification services and use an automated dialing and announcing system. If you 
provide us with a cellular phone number either as part of your application, or at any time thereafter, 
including, without limitation, after your Account is in a default status, you are expressly consenting 
that we and our agents may (i) contact you at that number including by text message, and (ii) use 
automated telephone dialing systems to initiate such contacts and/or leave recorded messages.
If you provide us at any time with an email contact for your Account, you agree we may use that 
email address to contact you about your Account and may send you information about products 
and services related to your Account.

We or our representatives may contact you from time to time regarding the Account, or to ask for 
additional information about you or your experience with us. You agree that such contacts are not 
unsolicited  and  may  include  contacts  at  your  home  or  place  of  employment,  during  weekdays, 
weekends or holidays, on your mobile telephone, voicemail or answering machine, or by email, fax, 
recorded message, text message or personal visit. 

Merchant Refunds. If a merchant agrees to give you a refund for goods or services purchased with 
your Card or Account, you will accept a credit on your Account instead of a cash refund. We do not 
control when a merchant sends us your refund and we will have reasonable amount of time after 
we receive your refund to process it. 

No Waiver of Rights; Disputed Amounts. We can accept late or partial payments without losing 
any of our rights under this Agreement. You agree not to send us partial payments marked 
“paid in full,” “without recourse,” or similar language. If you send such a payment, we may 
accept it without losing any of our rights under this Agreement. All written communications 
concerning disputed amounts, including any check or other payment instrument that indicated 
that the payment constitutes “payment in full” of the amount owed or that is tendered with 
other conditions or limitations or as full satisfaction of a disputed amount, must be mailed or 
delivered to Bankcard Services, P.O. Box 4499, Beaverton, Oregon 97076. 

Credit Reports and Information. You authorize us to make or have made any credit, employment, 
or other investigative inquiries we deem appropriate to extend you credit or collect amounts owed 
to us on your Account. We (including any assignee of the Account or amounts owing under the 
Account) may also obtain information about you from credit reporting agencies or others at any 
time and use it for the purposes of monitoring your credit performance, managing your Account 
and considering you for new offers and programs. 

Notice  of  Inaccurate  Information.  If  you  believe  that  we  have  information  about  you  that  is 
inaccurate or that we have reported or may report to a credit reporting agency information about 
you that is inaccurate, please notify us of the specific information that you believe is inaccurate by 
writing to us at Bankcard Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection. Unless prohibited by applicable law, your Account is considered to be in 
default if (1) you fail to make the required Monthly Minimum Payment on or before the Payment 
Due Date, including if your payment is returned or cannot be processed and you do not correct that 
failure within 31 days, (2) you try to exceed or do exceed your Credit Limit without permission and 
do not bring your Account back under your Credit Limit within 31 days, (3) you become subject 
to bankruptcy or insolvency proceedings, (4) you become subject to attachment or garnishment 
proceedings,  (5)  you  give  us  any  false  information  or  signature,  (6)  you  die,  or  (7)  you  fail  to 
comply with any portion of this Agreement. Our accepting a late or partial payment does not waive 
default. Default on this Account will constitute default on all accounts you hold with us. Subject to 
any notice of default and right to cure or other restrictions of applicable law, if you are in default, 
we may declare the entire balance due immediately. You agree to pay our reasonable costs and 
attorneys’ fees and expenses related to the collection of your Account, and retrieving your Card, to 
the extent permitted by applicable laws. 

Change of Terms. Subject to the limitations of applicable law, we may, at any time, change or 
remove any of the terms and conditions of, or add new terms or conditions to, this Agreement. 
If required by applicable law, we will mail written notice of such a change to you in the manner 
required by such law. As of the effective date, the changed or new terms will apply to new 
Purchases and Cash Advances and also to the outstanding balance of your Account, subject to 
the limitations of applicable law. 

Delay  in  Enforcement.  We  can  delay  enforcing  our  rights  under  this  Agreement  without  losing 
them. 

OTHER PROVISIONS 

Ownership  and  Use  of  Your  Card.  As  the  Cardholder(s),  you  are  liable  for  all  credit  obtained 
under  your  Account.  If  you  or  an  Authorized  User  authorizes  another  person  to  use  your  Card, 
you are liable for any credit obtained on your Account for as long as that person holds the Card. In 
addition, you will remain liable until you recover possession of the Card. Misuse of your Card by 
an authorized person will not be considered unauthorized use. See “Lost Cards and Unauthorized 
Use” above. Upon demand, you must immediately return any Card we supply to you or destroy the 
Card by cutting it in half. 

Authorized  Users.  You  may  ask  us  to  add  an  Authorized  User  to  your  Account.  If  we  agree  to 
your  request,  we  will  issue  a  Card  to  the  Authorized  User.  Once  we  add  an  Authorized  User  to 
your Account, we will charge you an Authorized User Fee as described above in the “Other Fees” 
section. We may discuss your Account with an Authorized User and provide them with Account 
information. You will be responsible for the Authorized User’s use of the Card and Account as well 
as anyone else they allow to use your Card or Account. This will be true even if you did not want, 
or agree to, the use. 

Removing  an  Authorized  User.  If  you  want  to  remove  an  Authorized  User  from  your  Account, 
you must contact us and request their removal. We will have a reasonable amount of time after 
we  receive  your  request  to  remove  them.  You  also  must  immediately  destroy  all  Cards  in  their 
possession and cancel all of their billing arrangements to the Account. We will not do this for you. 
During this time, you still will be responsible for all amounts they, or another person they authorize 
to use the Card, charge to the Account. You will be responsible even if these amounts do not appear 
on your Account until later.
An Authorized User may remove themselves from the Account upon their request. 

Transactions.  You  will  retain  for  Statement  verification  your  copy  of  each  Purchase  slip,  Cash 
Advance or other transaction to your Account. 

Transfer of Your Account. You may not transfer your Account to any other person. We may assign 
your  Account  or  amounts  owing  under  your  Account  to  any  other  person  at  any  time  and  the 
assignee  will  take  our  place  under  the  Agreement  with  respect  to  all  agreements  and  interests 
transferred. You must pay the assignee and otherwise perform your obligations under the assigned 
agreements and interests. 

Closing or Suspending Your Account. We may close or suspend your Account or your ability to 
obtain credit on your Account, or both, at any time, for any reason permitted by law and with or 
without advance notice.
You may close your Account at any time by contacting us. The closure of Account will not become 
effective until you have returned to us all of the Cards we have given you. If you have a joint Account 
and want to remove one of the names from the Account, we must receive a written request signed 
by both of the Cardholders on the Account and all Cards must be returned upon request. No party 
is released from the obligation for the balance owing on a joint Account, unless we agree to the 
arrangements in writing. You may have to reapply for a new Card for an individual Account when 
you request a change from a joint Account to an individual Account.
If your Account is closed or suspended for any reason, you must stop using your Card. You must 
also  cancel  all  billing  arrangements  to  the  Account.  We  will  not  do  this  for  you.  If  we  close  or 
permanently suspend your Account, you must also return all Cards to us. You must still pay us 
all amounts you owe on the Account, even if they are charged after your Account is closed or 
suspended. 

Additional Benefits and Services. From time to time, we may offer you benefits and services with 
your Account. These benefits and services may be provided by us or third parties. Unless expressly 
made a part of this Agreement, and except as provided in the Arbitration of Disputes section below, 
any such benefits and services are not a part of this Agreement, and are subject only to the terms 
and conditions outlined in the benefits or services brochure and other official documents provided 
to you with respect to the benefits and services. We may adjust, add, or delete benefits or services 
at any time in accordance with the brochures or documents you receive. Except as required by 
applicable law, we are not liable for benefits or services provided by third parties or the actions or 
omissions of those third parties. 

Foreign Currency Conversion. Payment must be made in U.S. Dollars for charges you incur in 
any other currency. If you effect a transaction with your Card in a currency other than U.S. Dollars, 
MasterCard  International  Incorporated  (“MasterCard”)  will  convert  the  charge  into  a  U.S.  Dollar 
amount. MasterCard will act in accordance with its operating regulations or conversion procedures 
in  effect  at  the  time  that  the  transaction  is  processed.  Currently,  the  currency  conversion  rate 
used  by  MasterCard  to  determine  the  transaction  amount  in  U.S.  Dollars  for  such  transactions 
is generally either a government mandated rate or a wholesale rate determined by MasterCard for 
the processing cycle in which the transaction is processed. The currency conversion rate used 
by  MasterCard  on  the  processing  date  may  differ  from  the  rate  that  would  have  been  used  on 
the  Purchase  date  or  monthly  Statement  posting  date.  We  will  also  assess  a  Foreign  Currency 
Conversion Fee interest charge as described in the “How Interest Charges are Determined” section. 

Honoring Your Card. We are not responsible if anyone refuses to accept your Card or Account for 
any reason. Although you may have credit available, we may decline any transaction for any reason. 
We are not liable for any refusal to honor your Card or Account. 
From  time  to  time,  due  to  circumstances  beyond  our  control  (such  as  system  failures,  natural 
disasters, or other unpredictable events), our services may not be available. When this happens, 
you may be unable to use your Card or obtain information about your Account. We will not be 
responsible or liable if this happens. 

Change of Address, Employment and Telephone. We will send all written notices and Statements 
to your address as it appears on our records. To avoid delays and missed payments that could 
affect your credit standing, you agree to promptly advise us if you change your mailing address, 
place of employment, or telephone number. 

Severability.  In  the  event  that  any  provision  of  this  Agreement  is  determined  to  be  invalid  or 
unenforceable for any reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation. This Agreement (including other documents incorporated herein 
by reference) constitutes the final expression of the credit agreement between you and us relating 
to your Account. The headings used in this Agreement are for the convenience of reference only 
and are not intended to define or describe the scope or intent of any portion of the Agreement. 

Governing Law. Except as expressly set forth in the Arbitration Provision of this Agreement, 
this Agreement and the interpretation and enforcement thereof (including but not limited to 
the exportation of interest rates) will be governed by Federal law that applies to us and, to 
the extent not preempted by Federal law, the laws of the State of Utah, without regard to its 
conflicts  of  law  provisions  and  principles.  If  there  is  any  conflict  between  any  of  the  terms 
and conditions of this Agreement and applicable Federal or State law, this Agreement will be 
considered changed to the extent necessary to comply with the applicable law. 

Arbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION 
CAREFULLY.  UNLESS  YOU  SEND  US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS 
PROVISION  WILL  APPLY  TO  YOUR  ACCOUNT,  AND  MOST  DISPUTES  BETWEEN  YOU  AND  US 
WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR 
A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A 
CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND 
(4) APPEAL RIGHTS WILL BE LIMITED. 
This provision replaces any existing arbitration provision with us and will stay in force no matter 
what happens to your Account, including the closing of your Account. Except as expressly provided 
below, you and we must arbitrate individually, by binding arbitration under the Federal Arbitration 
Act (“FAA”), any dispute or claim between you, any joint cardholder and/or Authorized User, on the 
one hand, and us, our affiliates and agents, on the other hand, if the dispute or claim arises out 
of or is related to (a) this Agreement (including without limitation, any dispute over the validity of 
this Agreement to arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) any 
relationship resulting from this Agreement, or (d) any insurance or other service related to your 
Account, or (e) any other agreement related to your Account (including prior agreements) or any 
such  service,  or  (f)  breach  of  this  Agreement  or  any  other  such  agreement,  whether  based  on 
statute, contract, tort or any other legal theory (any “Claim”). However, we will not require you to 
arbitrate: (1) any individual Claims in small claims court or your state’s equivalent court, so long 
as it remains an individual case in that court; or (2) any Claim by us that only involves our effort 
to collect money you owe us. However, if you respond to a collection lawsuit by claiming that we 
engaged in wrongdoing, we may require you to arbitrate.
YOU  AGREE  NOT  TO  PARTICIPATE  IN  A  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY 
GENERAL  ACTION  AGAINST  US  IN  COURT  OR  ARBITRATION.  ALSO,  YOU  MAY  NOT  BRING 
CLAIMS AGAINST US ON BEHALF OF ANY CARDHOLDER WHO IS NOT A JOINT CARDHOLDER 
WITH YOU OR AN AUTHORIZED USER ON YOUR ACCOUNT (AN “UNRELATED CARDHOLDER”), 
AND YOU AGREE THAT NO UNRELATED CARDHOLDER MAY BRING ANY CLAIMS AGAINST US 
ON YOUR BEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN 
A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH 
CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS 
YOU BRING ON BEHALF OF AN UNRELATED CARDHOLDER.
Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute 
regarding  whether  a  particular  controversy  is  subject  to  arbitration,  or  the  applicability  or 
enforceability of the foregoing paragraph, will be decided by a court and not by an arbitrator. If 
any part of the damages or other relief requested is not expressly stated as a dollar amount, the 
controversy will be a Claim that is subject to arbitration. You and we acknowledge and agree that the 
transactions contemplated by this Agreement, and any controversy that may arise under or relate 
to this Agreement, your Account, or the services or other agreements described above, involve 
“commerce” as that term is defined and used in the FAA.
If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. The 
notice can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Bankcard Services, Attn: Arbitration Demand, P.O. Box 4477, 
Beaverton, Oregon 97076, and our notice must be sent to the most recent address for you in our 
files. The arbitration will be administered by the American Arbitration Association (the “AAA”) under 
its rules in effect at the time an arbitration is commenced that are applicable to the resolution of 
consumer disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and how to get 
a copy of the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules 
permit you to request deferral or reduction of the administrative fees of arbitration if paying them 
would cause you a hardship. In addition, if you ask us in writing, we will consider your request to 
pay any or all of your costs of arbitration.
Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law 
continuously  during  the  ten  years  immediately  preceding  the  arbitration  or  a  retired  judge  of  a 
court of general or appellate jurisdiction. The arbitration award shall award only such relief as a 
court  of  competent  jurisdiction  could  properly  award  under  applicable  law,  including  attorneys’ 
fees if allowed by applicable law or agreement, and may award to the prevailing party all pre- and 
postaward expenses of arbitration. All statutes of limitation, defenses, and attorney-client and other 
privileges that would apply in a court proceeding will apply in the arbitration. The filing of a demand 
for arbitration in accordance with the Arbitration Rules will be deemed the commencement of an 
action for purposes of any applicable statute of limitations.
This Agreement does not limit the right of you or us whether before, during or after the pendency 
of any arbitration proceeding, to exercise self-help remedies such as set-off or repossession and 
sale of collateral, or to obtain provisional or ancillary remedies or injunctive or other traditionally 
equitable relief (other than a stay of arbitration) necessary to protect the rights or property of the 
party seeking relief pending the arbitrator’s determination of the merits of the Claim. The taking 
of any of the actions described in the preceding sentence by either party or the filing of a court 
action by a party shall not be deemed to be a waiver of the right to demand arbitration of any Claim 
asserted as a counterclaim or the like in response to any such action. This Agreement to arbitrate 
disputes will survive the closing of your Account and the termination of your Agreement with us.
If any provision of this Section regarding arbitration of disputes shall be deemed to be unenforceable, 
the remainder of this Section shall be given full force and effect. However, if the provision precluding 
class, representative or private attorney general Claims in arbitration is deemed unenforceable, then 
this entire Arbitration Agreement shall be void and of no force and effect.
You  may  reject  this  provision,  in  which  case  only  a  court  may  be  used  to  resolve  any  dispute 
or  claim.  Rejection  will  not  affect  any  other  aspect  of  the  Cardholder  Agreement.  To  reject  this 
Provision, you must send us a notice within 60 days after you open your Account or we first provide 
you with a right to reject this Provision. This notice must include your name, address and Account 
number and be mailed to Bankcard Services, Attn: Arbitration Provision, P.O. Box 4477, Beaverton, 
Oregon 97076. This is the only way you can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your Statement, please write to us at: Bankcard Services, P.O. Box 
4499, Beaverton, OR 97076-4499. 
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 three (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 then 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 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 Bankcard Services, P.O. Box 4499, Beaverton, OR 97076-4499. 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. 

The Card issuer: 
Celtic Bank
Salt Lake City, Utah

F03-U665-6