Cardmember  Agreement for U.S. Bank National Association  American Express� 
Credit Card Accounts  
This credit card program is issued and administered by U.S. Bank National Association . This information is accurate as of December 
31, 202 1.   PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  
See the Agreement that was provided for your Account and Card f or more detailed information, including contact information.  
PRICING INFORMATION : Actual pricing will vary from one C ardmember to another . 
(APR  = Annual Percentage Rate)  
(DPR  = Daily Per iodic  Rate)  
Annual Percentage Rates for Purchases  
 
 
This APR  will vary with the Market based on 
the Prime Rate.  Prime + 6.74%  to Prime + 20.74 % 
(APR ) 9.99% to 23.99 % 
(DPR ) 0.027370 % to 0.065760 % 
Annual Percentage Rates for Balance Transfers  
 
This APR  will vary with the Market based on 
the Prime Rate.  Prime + 6.74%  to Prime + 20.74 % 
(APR ) 9.99% to 23.99 % 
(DPR)  0.027370 % to 0.065760 % 
Annual Percentage Rates for Cash Advances  
 
This APR  will vary with the Market based on 
the Prime Rate.  Prime + 20.74%   
(APR ) 23.99%   
(DPR ) 0.065726%  
Penalty APR and When It Applies  There is no Penalty Rate for your Account.  
Paying Interest  
 Your due date is 24 -30 days after the close of each billing 
cycle. We will not charge you interest on Purchases if you 
pay your entire balance by the due date each month.  We 
will begin charging interest on Advances and Balance 
Transfers on the transaction date.  
Minimum Interest Charge  
 If you are charged  interest, then the Minimum Interest 
Charge will be no less than $2.00.  
For Credit Card Tips from the    
Consumer Financial Protection Bureau  
 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 . 
Set Up and Maintenance Fees  NOTICE: Some of these set -up and maintenance fees will 
be assessed before you begin using your Card and based 
on your Credit Limit, your initial available credit will be less.  
 
You may still reject this Account, provided that you have not 
yet used it or paid a fee after receiving a billing statement. If 
you do reject the Account, you are not responsible for any 
fees or charges . 
� Annual Fee  NONE  
� Travel Fee  NONE  
Transaction Fees   
� Balance Transfer Advance Fee  Either $5 or 3% of the Transfer or Advance amount, 
whichever is greater (maximum fee (No Maximum)).   
� Convenience Check Advance Fee  Either $5 or 3% of the Advance amount, whichever is 
greater (maximum fee (No Maximum)).  
� Financial Institution Cash Advance 
Fee  Either $10 or 4% of the Advance amount, whichever is 
greater (maximum fee (No Maximum)).  
� Cash Equivalent  Advance Fee  Either $20 or 4% of the Advance amount, whichever is 
greater (maximum fee (No Maximum)).  
� Cash Advance Overdraft Protection 
Fee  NONE    
 � Cash Advance ATM Fee  Either $10 or 4% of the Advance amount, whichever is 
greater (maximum fee (No Maximum)).   
� Foreign Transaction Fee  Up to 3% of each foreign transaction amount.  
Account Fees   
� Late Fee  Up to $40 
� Overlimit Fee  NONE  
� Return Payment Fee  Up to $35 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (incl uding new 
purchases)�.  See the  Agreement for more details.  
 
 
P. O. Box 6352  
Fargo, ND  58125  
 
Cardmember Agreement  
 
This is a cardmember agreement and disclosure statement ( �Agreement �) between 
you and the Issuer  containing the terms that will apply to your Credit Card Account 
(�Account �) effective  December 31 , 2021.  American Express is a federally 
registered service mark of American Express and is used by U.S. Bank National 
Association pursuant to a license.  In this Agreement, �you�, �your" and 
�Cardmember� means each individual accepting a solicitation or applying f or the 
Account or otherwise agreeing to be responsible for the Account. �We�, �us�, �our�, 
and �the Issuer � means U.S. Bank National Association , the issuer of the Card and 
your Account creditor. Please read this Agreement carefully and keep it in a safe 
place to make the best use of the credit cards we issue with this Account ( �Card �). 
The Agreement becomes effective as soon as you or someone authorized by you 
uses or activates the Card or Account. Even if the Card or Account has not been 
used or activated , the Agreement becomes effective unless you contact us within 
30 days after you receive the Card by calling the number on the back of the Card 
to cancel your Account.  This web Agreement does not replace the Agreement that 
is provided with the Account and Card.  
 
This Agreement contains an arbitration provision (including a class action 
arbitration waiver).  It is important that you read the entire Arbitration 
Provision section carefully.  
 
ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT  
 
1. Personal  Use: You may use the Account only for personal, family or household 
purposes. Federal or state consumer protection laws may not apply if you use the 
Account for other than personal, family or household purposes.  
 
2. Purchases : You may use the Account to buy, lease or otherwise obtain goods 
or services from participating merchants (including transactions you initiate by 
mail, telephone or over the Internet), or take advantage of special promotional 
Balance Transfer offers that po st as Purchase transactions (�Purchases�).  We will, 
in connection with any promotional offer we make from time to time, provide 
information on your Card carrier or in additional materials  (the �Offer Materials�) 
that explain whether those transactions will post and be treated as a Purchase.   
Even if you have not signed a sales draft or the merchant has not supplied you 
with a written receipt or other proof of sale, you are responsible for all Purchases 
made through your Account, except as e xpressly limited by applicable law (see 
Your Billing Rights section below for more details).   
 
3. Advances : �Advances � are transactions other than Purchases that allow you 
direct access to funds available through your Account.  Advances may include 
Account  transactions such as cash advances you obtain directly from us, 
automated teller machines (�ATMs�) or other participating financial institutions 
(�Cash Advances �). ATM and financial institution Advances include phone 
(automated phone system and 24 Hour cu stomer service assisted) and Internet 
transfers. Advances also include some Balance Transfers, Convenience Checks, 
FastCash, Overdraft Protection Advances and Cash Equivalent Advances.  �Cash 
Equivalent Advances� include transactions to acquire or initiate  wire trans fers, 
traveler �s checks, cashier� s checks, money orders, foreign cash transactions, 
casino gaming and betting transactions and lottery tickets.  Monthly Account 
statements we issue may refer to Advances as an Advance, Cash, Cash 
Advances, or by the product or device you used to obtain an Advance.  Refer to the Account Fees section for details on Advance Transaction Fees .  American 
Express Cards are not presently accepted for the purchase of bets, lottery tickets 
(except where allowed for on -site sales of state and national government lottery 
tickets at authorized retailers) or casino gaming chips.  
 
4. Advance Limits : Only a portion of the Credit Limit (defined below) is available 
for Advances  and that portion may vary from time to time . Although you may have 
credit available under your Account, we may be unable to authorize an Advance. 
You may contact Cardmember Service to  learn the portion of your Credit  Limit  
which is available for Advances.  
 
5. Convenience Checks : From time to time, we may supply Convenience Checks 
for use by the person(s) or drawer named on those checks. �Convenience Checks � 
are drafts that look like ot her checks, but are drawn on credit available in your 
Account.  Convenience Checks  may not be offered for all Account types.  We will, 
in connection with any Convenience Check we provide, include Offer Materials that 
will explain whether the Convenience Check will post and be treated as an 
Advance or as a Balance Transfer. Convenience Ch ecks must be written in U.S. 
Dollars. We may return a Convenience Check unpaid if:  
(a) the credit available under your Credit  Limit is less than the Convenience Check 
amount;  
(b) the Account is in Default; or  
(c) the Convenience Check is improperly endo rsed or otherwise fails to conform to 
our regularly accepted standards for check payment.  
Convenience Checks may not be used to pay your Account or any obligation you 
owe us or our affiliates.    
 
6. Paying and Stopping Payment on Convenience Checks : You m ust write to us 
or call  to request that payment be stopped on a Convenience Check. You must 
call us promptly with an oral stop payment request and then provide us with a 
written confirmation of the stop payment request within 14 calendar days. Any 
written stop payment request we receive will remain in effect for 6 months, unless 
you renew the request in writing before the end of that time. We may pay 
Convenience Checks more than 6 months old. There may be circumstances under 
which a Convenience Check must b e paid, even if we have received a stop 
payment request from you. We will not be liable to you if we do not honor your stop 
payment request under those circumstances. If it is determined that a Convenience 
Check should have been paid, but was not, we will not be liable for any 
consequential, punitive or incidental damages if we acted in good faith. Our only 
obligation under those circumstances will be to pay the designated payee the 
amount of the Convenience Check and cancel any charges assessed against you r 
Account as a result of any wrongful failure to honor the Convenience Check.   
 
7. Balance Transfers : We may permit you to transfer balances and obligations  that 
you owe other companies or financial institutions  to your Account, subject to the 
terms and conditions disclosed in the Offer Materials  (�Balance Transfers�) . 
Balance Transfers will post to your Account and be separately reflected on monthly 
Account statements as a Balance Transfer, or, depending upon the offer, may post 
to the Account and be tre ated as a Purchase  or an Advance .  We will, in connection 
with any Balance Transfer offer we make, provide you with materials that explain 
how the Balance Transfer will post to your Account and be reflected on monthly 
Account statements. You may not reques t Balance Transfers on existing 
obligations you owe us or our affiliates. If you request a Balance Transfer that 
would cause  your Account to exceed its  Credit Limit, we may, at our option, (a)   
 post the entire Balance Transfer requested to your Account; (b) post only a portion 
of the Balance Transfer requested to your Account up to the amount of credit 
available under the Credit  Limit; or (c) refuse to process the entire amount of the 
Balance Transfer requested.    
 
8. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you 
have specifically requested and have obtained an Overdraft Protection Plan by 
linking the Account with a designated U.S. Bank personal checking account 
("checking account").  An "Overdraft Prote ction Advance" is an advance of funds 
to your designated checking account from this Account that will help cover 
overdrafts on your checking account.  Any Overdraft Protection Advance will post 
and be charged interest as an Advance drawn on the Account.  P lease refer to the 
U.S. Bank Deposit Account Agreement (entitled, "Your Deposit Account 
Agreement") for full Overdraft Protection Plan terms and the Consumer Pricing 
Information Brochure for fees that apply for Overdraft Protection Advances.  We 
may cancel  Overdraft Protection privileges under the Account, even if the Account 
remains open for other purposes.  
 
INTEREST CHARGES AND ACCOUNT FEES  
 
9. Account INTEREST  CHARGES : INTEREST  CHARGES  reflect the cost of 
credit. Your total INTEREST  CHARGE  for any billin g cycle will equal the amount 
of any (a) periodic rate INTEREST  CHARGES  (sometimes referred to as "interest" 
in this Agreement and on monthly Account statements); (b) Advance Transaction 
Fees ; and (c) any other transaction fees that are considered INTEREST  
CHARGES .  
 
10. Interest Rate :  In this Agreement , we have abbreviated the terms � daily 
periodic rate � as DPR , �average daily balance � as ADB , and �ANNUAL  
PERCENTAGE RATE � as APR .  
(a) Standard Interest Rates - Rate for "Purchases" and "Balance Transfers": The 
DPR  for transactions posting  as Purchases and Balance Transfers is equal to 
1/365th of its corresponding APR . Rate for "Advances": The DPR  and 
corresponding APR  for transactions  posting to the Account as Advances is equal 
to 1/365th of its corresponding APR .  
 
(b) Your Variable APR s are calculated by adding a margin to the Index. Your 
Variable DPR  is equal to 1/365th of the corresponding APR . Your DPR  and 
corresponding APR  may increase or decrease from time to time according to the 
movements up or down of the  Index, which is the Prime Rate published in the 
"Money Rates" section of the  Midwest Edition of The Wall Street Journal on the 
last publication d ay before the date  on which the billing cycle closed (in other 
words, the "statement date"). We reserve the right to choose a comparable new 
index if The Wall Street Journal  ceases to publish a Prime Rate. The margin is the 
percentage we add to the Index t o calculate the APR . The current applied Index 
value for your Account is 3.25%. Any variable rate adjustment based on a change 
to your margin will be effective as of the  first day of the current billing cycle, and  
will apply to all new Account balances and transactions subject to that variable 
rate. Any variable rate adjustment based on a change to your Index will be effective 
as of the first day of the current billing cycle, and will apply to all new and 
outstandi ng Account balances and transactions subject to that variable rate. An 
increase or decrease to the Index or margin will apply to Purchase, Advance, and 
Balance Transfer balances and will result in an increase or decrease in the 
INTEREST CHARGE  on the Accou nt, an increase or decrease to your Minimum 
Payment, and an increase or decrease to your New Balance.    
 
Introductory and Promotional Rates : We may, at our option, offer you for a 
limite d time introductory or promotional interest rates for all or part of new 
Purchase, Advance, or Balance Transfer s posted to  your Account. We will tell you 
in the Offer Materials the introductory or promotional rate and the period of time  
during which that rate will be in effect and any conditions or requirements of the 
offer. Unless the Offer Materials state otherwise, an introductory or promotional 
rate will remain in effect until the last day of the billing cycle in which the 
introducto ry or promotional rate expires .  Any introductory or promotional rate that 
applies to new or outstanding Account balances will increase to the standard rate 
that would otherwise apply, or, when appropriate under the terms of this 
Agreement, a Penalty  Rate due to an Adjustment Event (as indicated above).    
 
11. INTEREST  CHARGE ; Method of Co mputing Balance  Subject to Interest  Rate : 
We calculate the periodic rate or interest portion of the INTEREST  CHARGE  by 
multiplying the applicable DPR  by the ADB  (including new transactions) of the 
Purchase, Advance and Balance Transfer categories subject to interest, and then 
adding together the resulting interest from each category. We determine the ADB  
separately for  the Purchases, Advances and Balance Transfer categories. To get 
the ADB  in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle. 
We determine the daily  balances each day by taking the beginning balance of 
those Account categories (including any billed but unpaid interest, fees, credit 
insurance and other charges), adding any new interest, fees, and charges, and 
subtracting any payments or credits applied  against your Account balances that 
day. We add a Purchase, Advance or Balance Transfer to the appropriate 
balances for those categories on the later of the transaction date or the first day of 
the statement period. Billed but unpaid interest on Purchases,  Advances and 
Balance Transfers is added to the appropriate balances for those categories each 
month on the statement date. Billed but unpaid Advance Transaction Fees are 
added to the  Advance balance  of your Account on the date  they are charged to 
your Account.   Any billed but unpaid fees on Purchases, credit insurance charges, 
and other charges are added to the Purchase balance of the Account on the date 
they are charged to the Account. Billed but unpaid fees on Balance Transfers are 
added to the Balance T ransfer balance of the  Account on the date they are charged 
to the Account. In other words, billed and unpaid interest, fees, and charges will 
be included in the ADB  of your Account that accrues interest and will reduce the 
amount of credit available to you.  To the extent credit insurance charges, overlimit 
fees, Annual Fees, and/or Travel Membership Fees may be applied to your 
Account, such charges and/or fees are not included in the ADB calculation for 
Purchases until the first day of the b illing cycle following the date the credit 
insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees 
(as applicable) are charged to the Account. Prior statement balances subject to an 
interest -free period that have been paid on or befor e the payment due date in the 
current billing cycle are not included in the  ADB  calculation. There may be a  
minimum INTEREST  CHARGE  Fee in any billing cycle in which a n INTEREST  
CHARGE  is due.  As described above, this Agreement provides for the 
compounding of interest on your Account.  
 
12. Paying Interest: You have a 24 to 30 day interest -free period for Purchases 
provided you have paid your previous balance in ful l by the Payment Due Date 
shown on your monthly Account statement. In order to avoid additional INTEREST 
CHARGES  on Purchases, you must pay your new balance in full by the Payment 
Due Date shown on the front of your monthly Account statement. There is no 
interest -free period f or transactions that post to the Account as Advances or 
Balance Transfers except as provided in any Offer Materials. Those transactions 
are subject to interest from the date they post to the Account until the date they 
are paid in full.   
   
13. Advance Account Fees : You agree to pay the following Account fees and 
INTEREST  CHARGES : 
 
(a) We may add a n Advance Transaction Fee  INTEREST  CHARGE  to the 
Advance balance of the Account for each Advance you obtain during a billing 
cycle  in addition to the interest that accrues on Advances . The Advance 
Transaction Fee imposed will equal the greater of either  a percentage of each 
Advance or the minimum dollar amount, subject to the maximum  dollar 
amount .   
(b) We may add a Balance Transfer Fee INTEREST CHARGE  to the         
Purchase balance of the Account except where Offer Materials specify 
otherwise.      
(c) We may add  a Convenience Check  Fee INTEREST  CHARGE to the 
Advance balance of your Account  except where Offer  Materials specify 
otherwise.  
(d)  We may add  an Overdraft Fee INTEREST CHARGE  to the Advance 
balance of your Account, except where Offer Materials specify otherwise.  
 
14. Account Fees:  
(a) We may add a Promotional Discount Transaction Fee INTEREST  
CHARGE  for each Promotional Discount you receive during the billing cycle, 
as outlined in any Offer Materials  
(b) Annual Membership Fee. Each year, the Account may be subject to your 
payment in a dvance of an Annual Membership Fee INTEREST CHARGE  
which will compensate us for  maintaining and servicing the Account for t he 
following year. This fee will  be charged to the Purchase balance of your 
Account.   There is no Annual Membership Fee on your Accou nt. 
(c) We may add  a Late Payment Fee to the Purchase balance of the Account 
if your Minimum Payment is not received by the Payment Due Date shown 
on the monthly Account statement.   
(d) There is no Overlimit Fee on your Account.          
(e) We may add a Returned Payment Fee to the Purchase balance of the 
Account if any payment on the Account is not honored or if we must return it 
to you because it cannot be processed. A check that is returned unpaid will 
be sent for collection.    
 (f) We will add a Du plicate Documentation Fee to the Purchase balance of 
the Account for each copy of a monthly statement, sales slip, refund slip, or 
Advance slip that you request. There will be no charge for documentation 
requests made in connection with a billing error not ice, if our investigation 
indicates a billing error occurred.  
(g) We may add a service charge to the Purchase balance of the Account if 
you call us to make a payment on your Account and are assisted by a 
Cardmember Service Representative to make the paymen t. You will be 
provided with confirmation of the service charge before the payment 
transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of   your 
Account if you request a stop payment on a Convenience Check.  (See 
"Paying and Stopping Payment on Convenience Checks" section above for 
more details.)  
            
Under no circumstance s will your Late Payment Fee or Returned Payment Fee 
ever be greater than  your Minimum Payment due and under  no circumstance will 
your Ove rlimit Fee ever be greater than the amount your balance is overlimit.  
 
IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT  
 
15. BalanceShield or Insurance Charges : Your purchase of BalanceShield  debt 
cancellation or credit life insurance and disability is optional.  Whether or not you 
purchase BalanceShield or credit insurance will not affect your application for 
credit or the terms of any existing credit agreement you have with us.  If you elect  
to purchase BalanceShield or credit insurance and are eligible to participate, the 
monthly program fee or premium (at the rate disclosed to you) will be added to the 
Purchase balance as of the closing date of each billing cycle based upon the 
Account bala nce (including accrued INTEREST  CHARGES ).  The terms of your 
BalanceShield coverage will be summarized in the BalanceShield Debt 
Cancellation Program Agreement, which will be provided to you upon enrollment. 
For credit insurance, the terms of your insuranc e coverage will be summarized in 
the Certificate of Insurance, which will be provided to you.   
 
16. Credit Limit: The Account Credit Limit is the maximum amount of credit 
available under the Account at any time. Under certain circumstances, your 
Account ma y exceed the Credit Limit and you will be responsible for the full amount 
of the Credit Limit as well as any amounts owed that exceed the Credit Limit, 
including fees and INTEREST CHARGES .  You may not request or obtain 
additional Advances or Balance Trans fers once you have reached your Credit 
Limit.  The initial Credit Limit is shown on the Card carrier and will also appear on 
your monthly Account statements.  We reserve the right to review your Account at 
any time and increase or decrease your Credit Limi t.  Cosigner consent is required 
for Credit Limit increases. You may not increase your Credit Limit by carrying credit 
balances over the Credit Limit we make available to you.    (Also see the �Advance 
Limits� section above for more information about limit s on Cash Advance, Cash 
Equivalent Advance and telephone transfer transactions).  
 
17. Payment : You must pay us in U.S. Dollars with checks or similar payment 
instruments drawn on a financial institution located in the United States.  We will 
also accept payment in U.S. Dollars via the Internet or phone or previously 
established  automatic payment  transaction.  We may, at our option, choose to 
accept a payment drawn on a foreign financial institution.  However, you will be 
charged and agree to pay an y collection fees required in connection with such a 
transaction.  The date you mail a payment is different than the date we receive that 
payment.  For purposes of this Agreement, the payment date is the day we receive 
your check or money order at the addr ess specified on your monthly Account 
statement  or the day we receive you r electronic or phone payment .  If you mail 
your payment without a payment coupon or to an incorrect address, it may result 
in a delayed credit to your Account , additional INTEREST  CHARGES , fees, and 
possible suspension of your Account.  
 
18. Minimum Payment: Each month, you must pay at least the Minimum Payment 
and any past due Minimum Payment(s) by the Payment Due Date shown on your 
monthly Account statement. You may, at your option, pay more than the Minimum 
Payment or pay the New Balance (a s stated on your monthly Account statement) 
in full to reduce or avoid the INTEREST CHARGE  for the Account. Your Minimum 
Payment will be calculated as follows:  first we  determine the �Base Minimum 
Payment,� which is the greater of $30.00  or 1% of your New  Balance not including 
items (1) and (2) below , which, if not a whole dollar amount, will be rounded to the 
next highest dollar .  To the  Base Minimum Payment, we may add one or more  of 
the following items, as incurred on your Account: (1) any late, annual and/or any 
other Account related fee, (2) the INTEREST CHARGE , and (3) if your Account is 
over the Credit Limit, some or all of the balance amount over your Credit Limit. If 
the resulting Minimum Payment is greater than $30.00 , the total , if not a whole dollar amount, is  then rounded to the next highest dollar not to exceed your New 
Balance. Any Minimum Payment or additional amount you pay  each month will not 
prepay any future Minimum Payments required, or change your obligation to make 
at least a Minimum P ayment by the Payment Due Date.  Any statement credit that 
results from a promotional offer or rewards redemption, if applicable, will only be 
applied to the Account balance and not satisfy any portion of the Minimum 
Payment requirements for this Account.  
 
19. Payment Application :  If we cannot collect on your check or other payment item 
you send us to pay on your Account, we may post as an Advance transaction an 
amount equal to the credit previously given to you for such check or payment item 
and we may ch arge interest on this amount from the date your Account originally 
was credited for the payment. After a payment has been made, we reserve the 
right to withhold available credit in the amount of the payment for 7 business days. 
Any credit available before the payment is made will continue to be available for 
use during this time.  
 
20. Skip Payment Option : We may, at our option, occasionally offer you an 
opportunity to skip your obligation to make the Minimum Payment due. You may 
not skip payments unless we make this offer to you.  If we offer you an opportunity 
to skip a payment more than once in a 12 month period, you will not be permitted 
to skip payments required in consecutive months. You cannot accept a skip 
payment offer if your Account is delinquent, or is in Default. When you take 
advantage of a skip payment offer, the interest will continue to accrue on the entire 
unpaid balance of your Account.  
 
21. Change of Address : Your monthly Account statements and notices about your 
Account will be sent to the address you provided in your application or your 
response to our Account solicitation. To change your address, you must call or 
write to us. We must receive this information 21 days before the date a billing cycle 
closes to  provide your monthly Account statement at your new address.  If you 
have an address change within 45 days of the expiration date of your Card(s), 
please contact Cardmember Service with your new address  so your new Card(s) 
can be mailed to your new address . We may also update your address in our 
records without a request from you if we receive an address change notice from 
the U.S. Postal Service or if we receive updated address information from our mail 
services vendor.  
 
22. Authorized Users: You agree not  to allow access to your Card, Account 
number, Convenience Checks, or personal identification number (PIN) to anyone 
else to use your Account, except by asking us to issue a card to grant Account 
access to another person.  If you allow access to your Card or Account information, 
you will be liable for any charges made by that person, unless and except as 
expressly required by applicable law.  You agree to be responsible for all Account 
transactions made by a Cardmember, or anyone  who you have authorized by (a) 
asking us to issue a Card to grant Account access to another person; (b) lending 
your Card to or allowing Account access by another person; or (c) any other way 
in which you would be legally considered to have allowed another pe rson to use 
your Account or to be legally prevented from denying that you did so.  Be cautious 
when allowing another person to become an authorized user of your Account; once 
you allow authority to any authorized user you cannot limit that authority unless  the 
Account is closed to future transactions.  You, as a primary or joint Cardmember 
must call or write us with any request to cancel and remove a person�s authority. 
We will not provide any Account information to anyone other than you and any  
Authorized Users.  Authorized Users have no right to make any Account changes.  
 
23. Lost or Stolen Card or Other Information : You must notify us immediately  by 
telephone or in writing if your Card , Convenience Checks , or PIN is lost or stolen 
or there is possible una uthorized use of your Card, Account , or PIN. You will not 
be liable for unauthorized use of your Account.  If this happens, we will ask you 
and all other persons given Account access to return all Cards and unused 
Convenience Checks to us. In addition, we have the right to close your Account 
and open a new Account. If we do so, new Cards will be issued.  If requested, we 
may issue a new PIN and new Convenience Checks for your new Account . 
 
24.  Using Your Card for International Transactions :  
Visa: You may use your Card for Purchases at foreign merchants and for cash 
withdrawals from foreign ATMs that display the American Express logo. (To find 
your nearest ATM please visit www.americanexpress.com/atmlocator .)  If you 
make a charge or cash withdrawal  in a foreign currency, American Express will 
convert it into U.S. Dollars on the date that American Express or American 
Express� agents process it, which may be different than the date of the 
transaction.  Unless a particular rate is required by law, the rate American Express 
uses to convert transactions in foreign currencies to U.S. Dollars is no more than 
the highest official rate published by a government agency or the highest interbank   
 rate from customary banking sources on the conversion date or the p rior business 
day.  This rate may differ from the rates that are in effect on the date of your charge 
or withdrawal.  Charges that are converted directly by a merchant (such as airlines) 
will be at the rates they use.  If your transaction is in a foreign c urrency, we will 
add a Foreign Transaction Fee INTEREST CHARGE  of up to 3% of the Purchase 
transaction  or up to 3% of the ATM transaction. If you make a transaction in U.S. 
Dollars outside the United States (including charges made from websites outside 
the United States), we will add a Foreign Transaction Fee INTEREST CHARGE  of 
up to 3% of the Purchase transaction  or up to 3% of the ATM transaction.  
 
YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT  
 
25. Responsibility to Pay : You agree to pay us for all Purchases, Advances, 
Balance Transfers, INTEREST  CHARGES , Account Fees and charges, any other 
transaction charges as provided in this Agreement and, to the extent permitted 
under applicable law, attorneys fees and collection cos ts we incur enforcing this 
Agreement against you. This is the case even if your Account is only used by one 
of you, or is used by someone authorized  by only one of you. If there is more than 
one Cardmember,  each of you is responsible, together and separate ly, for the full 
amount owed on your Account.  Your obligation to pay the Account balance 
continues even though an agreement, divorce decree, court judgment, or other 
document to which we are not a party may direct another person responsible to 
pay the Acco unt. 
 
26. Intent to Repay : Every time you use your Account, you represent to us that you 
intend to and have the ability to repay your Account obligations. We rely on this 
representation every time you use your Account.  
 
27. Settling a Disputed Balance; Pay ment in Full : If you want to settle a 
disagreement with us about any amount you owe by sending a check on which 
you have written "Payment in Full" or similar language, you must send us a written 
explanation of the disagreement or dispute and any such check  to Cardmember 
Service. (See Your Billing Rights  section below for complete details.) This address 
is different than the address you use to make Account payments. Writing �Payment 
in Full� or similar language on the check will not be enough to resolve the dispute. 
If we collect a check or any payment instrument marked �Payment in Full � that you 
sent to an address other than the one provided in the Cardmember Agreement  
issued with your Card (such as the address at which you normally make 
payments), we will not have waived our right to collect any remaining amount you 
owe us under the terms of your Account  
 
28. Default : You and your Account will be in Default if:  
(a) we do not receive the Min imum Payment by the Payment Due Date 
disclosed on the monthly Account statement;  
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Cardmember;  
(d) you become insolvent, assign any property to your creditors, or g o into 
bank ruptcy or receivership;  
(e) you have made false statements on your Account application or in the 
maintenance of your Account;  
(f) we have any reason to believe that your Account is in danger of, or is 
being used for fraud;  
(g) you are a married community property state resident and you or we 
receive a written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the 
risk that you will no t live up to your payment and other obligations under this 
Agreement ; or 
(j) this is a joint Account and one of you notifies us that he or she wants the 
Account closed or will no longer be liable on the Account . 
 You and your Account may also be in Default  if you make transactions which go 
over your Credit Limit.  
 
29. Illegal Purchases : You agree that you will not use or permit an Authorized User 
to use the Card or Account for any unlawful purpose, such as funding any account 
that is set up to facilitate online gambling.   
 
OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT  
 
30. Ownership of this Account: Your Card and any other Account access devices 
that we supply to you are our property and must be immediately returned to us or 
our designated agent or otherwise destroyed or surrendered as we instruct.   
 
31. Changes to your Account : Account and Agreement terms are not guaranteed 
for any period of time; we may change the terms of your Agreement, including  APR s and fees, in accordance with applicable law and the terms of your 
Agreement. Your transactional expe rience with us may also cause a change, 
including an increase in the margin that is added to the Index, an increase in fees, 
or a decrease in the Credit  Limit. Factors considered in determining the increased 
rate or Credit Limit decrease may include your g eneral credit profile, existence, 
seriousness and timing of the defaults under any agreement that you have with us, 
and other indications of the Account usage and performance. We will give you 
notice of any such change in the manner required by law. Revise d Account terms 
apply as of the effective date communicated in our notice to you unless the notice 
provides you with the right to opt out, and you do opt out, before the effective date.   
 
32. Cancellation of Your Account : We may cancel your Account or sus pend your 
ability to obtain Account credit immediately, without notice, if your Account is in 
Default. Even if you are not in Default, we may cancel your Account by providing 
notice to you. You may cancel your Account by notifying us by telephone or in 
writing .  If this is a joint Account, we will honor a request by either of you to cancel 
the Account. After the Account is cancel led, you will not be able to obtain additional 
Account credit, except that, (a) the Account may continue to receive recurring 
charges for items and services until you contact and cancel delivery with the 
company providing the item or service, or (b) under certain circumstances if you 
use your Account for a transaction, the transaction may be posted to your Account.  
After your Account is cancelled, all amounts outstanding on your Account will be 
due and payable without notice or demand from us. You must cut all Cards and 
Convenience Checks in half and return them to us.  If you do not pay the amount 
you owe under this Agreement, yo u will be liable for our collection costs including 
our reasonable attorney fees and expenses of legal actions, to the extent permitted 
by applicable law.  
 
33. Assignment of Your Account to Another Creditor : We may assign, sell or 
transfer your Account and  amounts owed by you to another creditor at any time. If 
we do, this Agreement will still be in effect unless and until amended, and any 
references made in this Agreement to �we�, �us�,  or �our� will refer to the creditor 
to which we assigned, sold or tran sferred your Account or amounts owed under 
your Account. You may not delegate your obligations and responsibilities to us to 
any third party without our express written consent.  
 
THE ISSUER�S LEGAL RIGHTS AND OBLIGATIONS  
 
34. Collecting Credit Information about You: You authorize us to make any credit, 
employment  and investigative inquiries we feel are appropriate related to giving 
you credit or collecting amounts owed on your Account. You agree that a consumer 
credit report may be requested periodically from one or more consumer reporting 
agencies ( �Credit Bureau s�) and used in connection with your application and any 
update, renewal or extension of credit. We will provide information about you, your 
Account or your credit history to Credit Bureaus  and others who may properly 
receive that information.  
 
35. Credit Bureau Disputes : If you believe we inaccurately reported credit history 
information about you or your Account to a Credit Bureau , write to the Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166 -
9801.  
 
36.  Privacy Pledge  and Disclosure of Account Information : A copy of our Privacy 
Pledge was included with your original Agreement.    We also keep copies of our 
Privacy Pledge in financial institution offices and post it on our web site.  Our 
Privacy Pledge describes how we c ollect, protect and use confidential financial and 
other information about you and the circumstances in which we might share 
information about you with members of our corporate family and with unaffiliated 
third parties. Our Privacy Pledge also tells you h ow you can (a) limit the ways we 
share certain kinds of information about you and (b) request corrections to the 
information we maintain about you.  
 
37. Refusal to Honor Transactions : We and our agents are not responsible if 
anyone refuses to honor your Card or a Convenience Check, or if authorization for 
a particular transaction is not given. Although you may have credit available under 
your Account, we may be unable to authorize credit for a par ticular transaction. 
The number of transactions you make in one day may be limited, and the limit per 
day may vary. These restrictions are for security reasons and as a result we cannot 
explain the details of how this system works. If your Account is over the Credit  
Limit or delinquent, authorization of credit for transactions may be declined. We 
are not responsible for anything purchased with your Card or a Convenience 
Check, except as expressly required by applicable law (see Your Billing Rights 
section b elow for more details). You must return goods you purchased with the 
Card or Account to the merchant and not to us.  
   
 38. Third Party Offers : From time to time, third parties may provide you with 
benefits not related to the extension of Account credit. We are not liable for these 
features, services and enhancements, as they are the sole responsibility of the 
third party provider. We and/or a third party may add, change or delete entirely 
these benefits without notice or liability to you, to the extent permi tted by applicable 
law. You agree to hold us harmless from any claims, actions or damages resulting 
from your use of any of these features, services or enhancements, where permitted 
by applicable law.  
 
39. Monitoring and Recording Communications: You understand and agree that 
we, and anyone acting on our behalf, may monitor and/or record any 
communications between you, or anyone acting on your behalf, and us, or anyone 
acting on our behalf, for quality contr ol and other purposes.  You also understand 
and agree that this monitoring or recording may be done without any further notice 
to you or anyone acting on your behalf.  The communications that may be 
monitored or recorded include telephone calls, cellular o r mobile phone calls, and 
any other communications in any form.    
 
40. Severability : If a court of competent jurisdiction finds any part of this Agreement 
illegal or unenforceable, the remaining portions of the Agreement will remain in 
effect as written after any such illegal or unenforceable portion is amended in 
conformance with applicab le law or, if necessary, voided.  
 
41. Entire Agreement : This version of the web Agreement replaces any previous 
versions of the web Agreement. The Agreement, as modified by any change in 
terms we may deliver from time to time in accordance with applicable  law, 
constitutes the entire agreement between you and us, and supersedes any prior 
negotiation , agreement,  or understanding between you and us concerning the 
subject matter of the Agreement.  
 
42. Waiver : We do not give up our rights under the Agreement o r applicable law 
when we fail to exercise or delay exercising those rights. Our failure or delay to 
exercise any right or remedy we have against you does not mean that we waive 
that right.  
 
43. Mobile Authentication:  To help us verify your identity, you a uthorize your 
wireless operator (AT&T, Sprint, T -Mobile�, US Cellular�, Verizon, or any other 
branded wireless operator) to use your mobile number, name, address, email, 
network status, customer type, customer role, billing type, mobile device 
identifiers (IMSI and IMEI) and other subscriber status details, if available, to 
allow us to verify your identity, and to compare information you have provided to 
us with your wireless operator account profile information for the duration of our 
relationship.   See ou r Privacy Pledge for more information of how we treat your 
data.  
 
44.  CELLULAR PHONE CONTACT POLICY:    By providing us with a 
telephone number for a cellular phone or other wireless device, including a 
number that you later convert to a cellular number, y ou are expressly 
consenting to receiving communications �including but not limited to 
prerecorded or artificial voice message calls, text messages, and calls 
made by an automatic telephone dialing system �from us and our affiliates 
and agents at that number.  This express consent applies to each such 
telephone number that you provide to us now or in the future and permits 
such calls for non -marketing purposes. Calls and messages may incur 
access fees from your cellular provider.   You understand and agree that,  if 
your Account has been assigned, sold, or transferred to us, we, as the 
successor -in-interest, and our affiliates and agents, have your prior 
express consent to call you using prerecorded or artificial voice message 
calls, text messages, or an automatic  telephone dialing system at any 
telephone number(s) you may have provided to any previous creditor(s), or 
which may have otherwise been associated with your Account prior to its 
assignment, transfer, or sale to us.  
 
45.  Arbitration Provision:  
RESOLUTION OF DISPUTES BY ARBITRATION  
PLEASE READ THIS PROVISION CAREFULLY.  UNDER THIS PROVISION, 
YOU WAIVE YOUR RIGHTS TO TRY ANY COVERED CLAIM IN COURT 
BEFORE A JUDGE OR JURY AND TO BRING OR PARTICIPATE IN ANY 
CLASS OR OTHER REPRESENTATIVE ACTION.   
The following provision applies to any claim, cause of action, proceeding, or any 
other dispute between you, on the one hand, and us, our respective parents, 
subsidiaries, affiliates, agents, employees, predecessors -in-interest, personal 
representatives, heir s and/or successors, and assigns, on the other hand (each a 
�Claim� as further defined under the heading �Claims Covered by Arbitration�), 
including all questions of law or fact related thereto.  Agreement to Arbitrate  
Either you or we may elect in writing , and without the consent of the other, to 
arbitrate all Claims covered by this provision.  
Claims Covered By Arbitration  
Claims subject to our agreement to arbitrate shall include all of the following: (1) 
Claims related to or arising out of this Agreement , or any prior or later versions of 
this Agreement as well as any changes to the terms of this Agreement; (2) 
Claims related to or arising out of any aspect of any relationship between us that 
is governed by this Agreement, whether based in contract, tort,  statute, 
regulation, or any other legal theory; and (3) Claims that relate to the 
construction, scope, applicability, or enforceability of this arbitration provision.  
Claims include Claims that arose before we entered into this Agreement (such as 
Claims related to advertising) and after termination of this Agreement.  
Claims Not Covered By Arbitration  
Claims subject to our agreement to arbitrate shall not include (1) any Claim you 
file in a small claims court, so long as the Claim remains in such court and  
advances only an individual claim for relief, and (2) Claims asserted by way of a 
cross claim, counterclaim or any similar device against a party who has initiated 
a proceeding in court or other non -arbitral forum by any other party to that 
proceeding.   
Commencing an Arbitration  
The party initiating arbitration must choose one of the following arbitration forums 
to administer the arbitration:  
� The American Arbitration Association (�AAA�) under AAA�s 
Consumer Arbitration Rules, except as modified by this Agreement.  
AAA�s Rules may be obtained from www.adr.org  or 1-800-778-7879 
(toll-free).   
� JAMS/Endispute (�JA MS�) under JAMS� Comprehensive Arbitration 
Rules & Procedures or Streamlined Arbitration Rules & Procedures, 
including JAMS� Consumer Minimum Standards, except as modified 
by this Agreement.  JAMS� Class Action Procedures shall not apply.  
JAMS� rules may be obtained from www.jamsadr.com  or 1-800-352-
5267 (toll free).  
If the chosen arbitration forum is for any reason unable to serve, then the parties 
may agree to a comparable substitute organization.  If the parties ar e unable to 
agree, then a court of competent jurisdiction shall appoint a substitute 
organization.   
Arbitration Procedure  
The arbitration shall be decided by a single neutral arbitrator selected in 
accordance with AAA�s or JAMS� rules, as applicable.  The  arbitrator will decide 
the dispute in accordance with the terms of our Agreement and applicable 
substantive law, including the Federal Arbitration Act and applicable statutes of 
limitation.  The arbitrator shall honor claims of privilege recognized at law .  The 
arbitrator may award damages or other relief (including injunctive relief) available 
to the individual claimant under applicable law.  The arbitrator will not have the 
authority to award relief to, or against, any person or entity who is not a party  to 
the arbitration.  The arbitrator will take reasonable steps to protect customer 
account information and other proprietary or confidential information.  Any 
arbitration hearing shall take place in the federal judicial district that includes your 
home ad dress, unless you and we agree in writing to a different location or the 
arbitrator so orders.  If all Claims are for $10,000 or less, you may choose 
whether the arbitration will be conducted solely on the basis of documents 
submitted to the arbitrator, th rough a telephonic hearing, or by an in -person 
hearing in accordance with AAA�s or JAMS� rules.  
At your or our request, the arbitrator will issue a reasoned written decision 
sufficient to explain the essential findings and conclusions on which the award is  
based.  The arbitrator�s award shall be final and binding, subject to judicial review 
only to the extent allowed under the Federal Arbitration Act.  You or we may seek 
to have the award vacated or confirmed and entered as a judgment in any court 
having ju risdiction.  
No Class Action or Joinder of Parties  
You and we agree that no class action, private attorney general, or other 
representative claims may be pursued in arbitration, nor may such action be 
pursued in court if either you or we elect arbitration.  Unless mutually agreed to 
by you and us, Claims of two or more persons may not be joined, consolidated, 
or otherwise brought together in the same arbitration (unless those persons are 
joint account owners or beneficiaries on your account and/or related ac counts, or 
parties to a single transaction or related transaction).  If this specific paragraph is 
determined by the arbitrator to be unenforceable, then this entire provision shall 
be null and void.   
Arbitration Costs  
Unless the applicable arbitration ru les at the time of filing a Claim are more 
favorable to you, we will advance (i) all arbitration costs in an arbitration that we 
commence, and (ii) the first $2,500 in arbitration filing, administration, and 
arbitrator�s fees in an arbitration that you com mence.  To the extent allowed by   
 applicable law and our agreements, the arbitrator may award arbitration costs 
and attorneys� fees to the prevailing party.  
Applicable Law  
You and we agree that you and we are participating in transactions that involve 
interstate commerce and that this provision and any resulting arbitration are 
governed by the Federal Arbitration Act.  To the extent state law applies, the laws 
of the state governing your account relationship apply.  No state statute 
pertaining to arbitration  shall apply.  This Arbitration Provision shall not apply to a 
party who is a covered borrower under the Military Lending Act.  
Severability  
Except as this provision otherwise provides, if any part of this provision is 
deemed to be invalid or unenforceable by the arbitrator, that part will be severed 
from the remainder of this provision and the remainder of this provision will be 
enforced.  
 
YOUR BILLING RIGHTS  
 
Keep this document for future use.  This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.  
 
 
What to Do If You Find a Mistake on Your Statement : 
If you think there is an error on your statement, call or write to us . 
  
 In your letter  or call , give us the following information:  
� Account information: Your name and Account  number.  
� Dollar amount: The dollar amount of the suspected error.  
� Description of problem: If you think there is an error on your bill, describe 
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.  
 
What Wi ll Happen After We Receive Your Letter  or Call : 
When we receive your letter  or call , we must do two things:  
1. Within 30 days of receiving your letter  or call , we must tell you that we 
received your letter.  We will also tell you if we have already corrected the 
error.  
2. Within 90 days of receiving your letter  or call , we must either correct the error 
or explain to you why we believe the bill is correct.  While we investigate 
whether 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 t he 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 yo u 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 a re dissatisfied with the goods or services that you have purchased with your 
Card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the purchase.  To 
use this right, al l of the following must be true:  
1. The purchase must have been made in your home state or within 100 miles 
of your current mailing address, and the purchase price must have been 
more 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 .  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. A t that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent.  
 
SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO 
PURCHASES MADE WITH CONVENIENCE CHECKS OR BALANCE 
TRANSFER CHECKS.  
 
 
14_USB_ AMEX