Current Credit Card Agreements for New Personal Accounts 

NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us at  
(800) 996-2638 or send us a secured message through Online Banking with the subject line 
“Credit Card Inquiry”. 

For new personal accounts opened beginning 10/01/2014, the following Account Opening 
Disclosures and Credit Card Agreements apply by the credit card type received: 

World MasterCard® Credit Card 
Account Opening Disclosure – World MasterCard® Credit Card 
Credit Card Agreement (World MasterCard® Credit Card) 

Standard Credit Card 
Account Opening Disclosure – Standard Card 
Credit Card Agreement (Personal Accounts) 

M-113128 
Rev. 03/2015 

Account Opening Disclosure – Bank of the West World MasterCard® Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0.00% Introductory APR for the first six months.    

  After that, your APR will be 14.99%.  This APR will vary with the market based 

on the Prime Rate.  

APR for Balance Transfers 

14.99%  

APR for Cash Advances 

    This APR will vary with the market based on the Prime Rate. 
24.99%  

Penalty APR and When it 
Applies 

    This APR will vary with the market based on the Prime Rate. 
29.99% 

    This APR may be applied to your account if your payment is more than 60 days past  
    the Payment Due Date. 

    How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
    make six consecutive minimum payments when due beginning with the payment  
    following the commencement of the Penalty APR.  

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

    This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 
If you are charged interest, the charge will be no less than $1.00. 
To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore/.  

Fees 
Annual Fee 
Transaction Fees 

$851 

•  Balance Transfer  

Either $5 or 3% of the amount of each transfer, whichever is greater. 

•  Cash Advance  

Either $10 or 4% of the amount of each cash advance, whichever is greater. 

•  Foreign Transaction  

1% of the U.S. Dollar amount of each such transaction.  

Penalty Fees 

•  Late Payment  

Up to $35 (Varies by State.  See next page for details.). 

•  Returned Payment  

Up to $35 (Varies by State.  See next page for details.). 

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”  
See your Credit Card Agreement for more details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
60 days past the Payment Due Date. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
Credit Card Agreement.   

Continued on next page. 

 
 
 
 
       
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1 The World MasterCard card is subject to an Annual Membership Fee if you do not maintain an open Bank of the West 
Premier Checking account.  For details, refer to the World MasterCard Credit Card Agreement. 

Late Payment fee for Iowa residents is $15. For other states the fee is $25 for the first violation and $35 for each 
subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, 
the fee will be equal to the Minimum Payment Due. 

Returned Payment fee for Iowa residents is $19.95.  For other states the fee is $25 for the first violation and $35 for each 
subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment 
Due, the fee will be equal to the Minimum Payment Due. 

M-113128 
Rev. 03/2015 

 
 
 
 
       
 
 
 
 
 
By  requesting  or  accepting  any  World  MasterCard  account 
(individually  or  collectively  called  “Credit  Card  account”  or 
“Account”) with Bank of the West, you agree to be bound by 
all  the  terms  of  this  Agreement.  In  this  Agreement,  the 
words “you” or “your” mean everyone who has requested or 
accepted  a  Credit  Card  account  with  us.  The  words  “we,” 
“us,” “our,” or “Bank” mean Bank of the West.  If you do not 
accept this Agreement, you must notify us in writing within 5 
days  after  receipt.    Use  of  your  card  or  any  feature 
(including  a  balance 
transfer)  of  your  Credit  Card 
Agreement shall constitute acceptance of this Agreement.  

1. Use.  Your    World  MasterCard  Card  (individually  or 
collectively  called  “Card”)  may  be  used  as  a  credit card for 
purchases  of  goods  or  services 
from  participating 
merchants  (“Purchases”)  or  to  get Cash Advances from us 
or any other financial institution displaying the “MasterCard” 
logo,  or  to  purchase  certain  items  such  as  traveler's 
cheques,  foreign  currency,  money  orders,  wire  transfers, 
lottery tickets, and (except as noted below) funds to be used 
for wagers or gambling (all of which are collectively referred 
to  as  “Cash  Advances”)  up  to  your  Credit  Limit;  provided, 
however, you may not use your Card (i) to make Purchases 
or obtain Cash Advances for any illegal transaction, or (ii) for 
any  internet  or  online  gambling  transactions.  Transactions 
for  online  or  internet  gambling  will  not  be  approved.  If you 
use  your  Card  for  any  illegal  or  prohibited  transaction,  this 
Agreement  also  applies  to  such  transaction  and  you  agree 
to  pay  any  and  all  amounts  related  to  such  transaction 
pursuant  to  the  terms  of  this  Agreement.  We  may,  in  our 
sole  discretion,  restrict  the  use  of  or  terminate  your  Card if 
we  notice  excessive  use  of  your  Card  or  other  suspicious 
activities or if we reasonably believe the Card is or has been 
used for one or more illegal or prohibited transactions. You 
can  also  obtain  a  Cash  Advance  by  writing  a  special 
MasterCard  check  (“Convenience  Check”).  The  Cash 
Advance  will  be  posted  to  your  Credit  Card  account  when 
the Convenience Check reaches us. If you stop payment on 
a  Convenience  Check,  your  Credit  Card  account  will  be 
charged  $16.00  (or  as  permitted  by  law)  for  each  stop 
payment.  We  may  designate  that  only  a  portion  of  your 
Credit Limit is available for Cash Advances.  In addition, you 
may request that we pay other creditors on your behalf and 
transfer  approved  amounts  to  your  Account  (“Balance 
Transfers”). 

Your  Card  may  also  be  used  in  certain  automated 
terminals  to  gain  access  to your Credit Card accounts. We 
have  no  responsibility  for  the  failure  of  any  machine, 
merchant,  financial  institution,  or  any  other  party  to  honor 
your Card. Your Card and Credit Card account may be used 
only  for  valid  and  lawful  purposes.  If  you  use  or  allow 
someone  else  to  use  the  Card  or  Credit  Card  account  for 
any other purpose, you will be responsible for such use and 
may  be  required  to  reimburse  us  for  all  amounts  or 
expenses we pay as a result of such use.  

2. Credit  Limit.  We  will  notify  you  of  the  Credit  Limit  for 
each Credit Card account you have with us. You agree that 
your  total  charges,  including  Purchases,  Cash  Advances, 
Balance  Transfers,  INTEREST  CHARGES,  and  fees  that 
may  be  due  will  not  exceed  your  Credit  Limit.  If  you  do  go 
over  your  Credit  Limit,  you  must  repay  the  excess  amount 
immediately,  and  we  may  reduce  the  available  Credit  Limit 
of any other Credit Card account you have with us until such 
time  the  excess  amount  is  repaid.  You  may  apply  to 
increase  your  Credit  Limit  at  any  time  but  we  are  not 
obligated 
time. 
Furthermore, we reserve the right to lower your Credit Limit 
at any time. For security reasons, we may limit the number 
or  amount  of  transactions  that  may  be  accomplished  with 
your Card or Credit Card account, and we have the right to 
limit  authorizations  to  make  transactions  if  we  consider  it 
necessary to verify Payments received on your Credit Card 
account.  If we accept a payment from you in excess of your 
outstanding  balance,  your  available  Credit  Limit  will  not  be 
increased by the amount of the overpayment nor will we be 
required  to  authorize  transactions  for  an  amount  in  excess 
of your Credit Limit. 

increase  your  Credit  Limit  at  any 

to 

M-114759 
BW-WCCAG (04/2015) 

CREDIT CARD AGREEMENT  
(World MasterCard® Card) 

3. Temporary  Reduction  of  Credit  Limit.    Merchants, 
such as car rental companies and hotels, may request prior 
credit  approval  from  us  for  an  estimated  amount  of  your 
Purchases, even if you ultimately do not pay by credit. If our 
approval 
is  granted,  your  available  Credit  Limit  will 
temporarily  be  reduced  by  the  amount  authorized  by  us.  If 
you  do  not  ultimately  use  your  Credit  Card  account  to  pay 
for  your  Purchases  or  if  the  actual  amount  of  Purchases 
posted  to  your  Credit  Card  account  varies  from  the 
estimated amount approved by us, it is the responsibility of 
the  merchant,  not  us,  to  cancel  the  prior  credit  approval 
based on the estimated amount. The failure of the merchant 
to  cancel  a  prior  credit  approval  may  result  in  a  temporary 
reduction of your available Credit Limit, but will not increase 
the amount you owe us under this Agreement. 

4. Agreement to Pay. When you use your Card or Credit 
Card  account,  or  when  you  permit  anyone  to  use  it,  you 
agree  to  pay  the  amount  of  any  and  all  transactions 
(including any which may have been made in violation of this 
Agreement),  and  the  INTEREST  CHARGES  and  fees  that 
may become due as shown on the periodic statement. You 
agree  that  we  may  change  or  cancel  your  Credit  Card 
Account at any time without affecting your obligation to pay 
the amounts that you owe under this Agreement.  

5. Periodic  Statement.  Each  month  we  will  send  you  a 
periodic  statement  for  each  Credit  Card  account  you  have 
with  us  covering  the  previous  billing  period.  We  may  not 
send  you  a  statement  if  your  balance  is  less  than  $1  and 
there  were  no  transactions  during  the  billing  period.  The 
statement  will  have  a  “Statement  Period  Date”,  “Statement 
Closing  Date”  and  a  “Payment  Due  Date,”  and  will  show, 
among  other  things,  your  “Previous  Balance,”  your  “New 
Balance,” and your minimum monthly payment, which will be 
shown as “Minimum Payment Due.” 

6. Payment.  You  must  make a payment by the “Payment 
Due  Date.”  You  have  two  choices:  You  may  pay  the  entire 
“New Balance” or you may pay in installments by paying at 
least  the  “Minimum  Payment  Due.”  When  your  payment  is 
properly received, we will allocate your payment in a manner 
we  determine  except  as  otherwise  required  by  law.    The 
Minimum  Payment 
to 
INTEREST CHARGES and finally to principal. We apply the 
Minimum  Payment  to  balances  with  lower  APRs,  including 
introductory  APRs,  before  balances  with  higher  APRs. 
Payments made in excess of the Minimum Payment will be 
applied first to balances with the highest Annual Percentage 
Rate and then to each successive balance bearing the next 
highest Annual Percentage Rate. 

is  applied 

fees, 

then 

first 

to 

  Payments  must  be  mailed  to  the  BankCard  Center 
address  specified  in  your  periodic  statement.  Payments 
must  reach  our  BankCard  Center  during  our  regular 
business day in order to be credited on that date.  Payments 
received after the cutoff times of 5:00 p.m. PT are credited 
as  of  the  following  business  day.  If  you  make  payment  by 
any means other than mail to our BankCard Center crediting 
of the payment may be delayed.  If you fail to properly make 
payments,  crediting  such  payments  may  be  delayed.    Your 
total  available  credit  may not be restored for up to 15 days 
after we receive your payment.   

If  a  payment  is  returned  to  us  for  any  reason,  we  may 
apply  a Returned Payment Fee of $25 for the first violation 
and  $35  for  each  subsequent  violation  within  the  next  six 
billing cycles. The Returned Payment Fee for Iowa residents 
is $19.95.  If the Returned Payment Fee is greater than the 
Minimum  Payment  Due,  the  fee  will  be  equal  to  the 
Minimum Payment Due. 

  From time to time, we may let you skip or reduce one or 
more  monthly  payments  during  a  year  and/or  we  may 
temporarily 
INTEREST 
reduce  or  eliminate  certain 
CHARGES  on  all  or  a  portion  of  your  Credit  Card  account 
balance  or  offer  you  other  special  terms.  If  we  do,  we  will 
advise you of the scope and duration of the applicable skip 
or  promotional  feature.  When  the  skip  or  promotional 
feature  ends,  your  regular  rates  and  all  the  terms  of  the 
Agreement will resume. 

7. Minimum  Payment-  Late  Payment  Fee.  At  least  the 
amount of the “Minimum Payment Due” must be received by 

 
us  by  the  “Payment  Due  Date.”  If  it  is  not, we may apply a 
Late  Payment  fee  of  $25  for  the  first  violation  and  $35  for 
each  subsequent  violation  within  the  next  six  billing  cycles.  
The Late Payment fee for Iowa residents is $15.  If the Late 
Payment fee is greater than the Minimum Payment Due, the 
fee  will  be  equal  to  the  Minimum  Payment  Due.    If  such 
charge would result in an INTEREST CHARGE greater than 
the  maximum  allowed  by  law,  we  will  only  charge  the 
maximum allowable rate.  Your Minimum Payment Due will 
be 3% of the New Balance plus any Late Payment fee (with 
a  minimum  of  the  lesser  of  $25  or  your  New  Balance)  and 
any amount over your credit limit and past due amount. 

8. How  to  Avoid  Paying  Interest  on  Purchases.  There 
may  be  different  treatment  of  INTEREST  CHARGES  for 
Purchases,  Balance  Transfers,  and  Cash  Advances,  even 
though  they  are  computed  the  same  way.  You  may  avoid 
paying an INTEREST CHARGE on Purchases if we receive 
the entire New Balance by the Payment Due Date.  If we do 
not  receive  the  entire  New  Balance  by  the  Payment  Due 
Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
Purchases  from  the  date  of  the  transaction.  INTEREST 
CHARGES on all other balances, including Cash Advances 
and  Balance  Transfers,  begin  on  the  transaction  date  and 
will be assessed even if your entire New Balance is paid by 
the Payment Due Date. 

9. Computing  Your  INTEREST  CHARGE.  We  figure  the 
INTEREST  CHARGE  on  each  Credit  Card  account  by 
applying the periodic rate to the “Average Daily Balance” of 
each  Balance  Category  on  the  Credit  Card  account, 
including  current  transactions.  Balance  Categories  include 
Advances, 
Purchases, 
Introductory Rates and any special rate offers we may make 
available from time to time.  If you are charged interest, the 
charge  will  be  no  less  than  $1.00  (the  minimum  interest 
charge will appear as “Minimum Charge” in the fees section 
of your statement).  

Transfers,  Cash 

Balance 

a.  Average Daily Balance. To obtain the daily balance 
for  each  Balance  Category  we  take  the  beginning  balance 
each  day  and  add  new  transactions  applicable  to  each 
category,  and  subtract  any  payments,  credits,  and  refunds 
applied  to  the  category.   To  figure  your  Average  Daily 
Balance  for  each  Balance  Category,  we  add  all  your  daily 
balances  and  divide  by  the  number  of  days  in  the  billing 
period. 

b.  Figuring the INTEREST CHARGE. We compute the 
INTEREST  CHARGE 
for  each  Balance  Category  by 
multiplying  these  Average  Daily  Balances  by  the  applicable 
Daily  Periodic  Rate,  and  then  we  multiply  the  result  by  the 
number of days in the billing period. To determine the Daily 
Periodic  Rate  for  each  Balance  Category,  we  divide  the 
applicable  ANNUAL  PERCENTAGE  RATE  in  effect  for  the 
billing period by 365 (366 for leap year). The way we get the 
ANNUAL PERCENTAGE RATE for each Balance Category 
is described below under “Fixed Rate” and “Variable Rate.” 

c.    Fixed  Rate.  For  the  first  six  months  (Introductory 
Period) your interest rate for Purchases on your Account is 
equal  to  0.00%  APR;  thereafter,  your  interest  rate  for 
Purchases  will  apply.    There  is  no  introductory  rate  for 
Balance Transfers or Cash Advances.  

d.  Variable Rate. The current Annual Percentage Rate 
for  all  variable  rates  is  shown  on  the  Account  Opening 
Disclosure  which  has  been  provided  to  you  with  this 
Agreement. The Daily Periodic Rate and the corresponding 
Annual  Percentage  Rate  may  change  each  month  on  the 
first  day  of  each  of  your  billing  cycles.  Each  date  on  which 
the rate of interest could change is called a “Change Date.” 
Changes will be based on changes in the “Index.” The Index 
is  the  highest  Prime  Rate  published  in  the  “Money  Rates” 
table  of  The  Wall  Street  Journal.  If  the  Index  is  no  longer 
available, we will choose a new index which is based upon 
comparable  information  and  will  give  you  notice  of  our 
choice.  The  Index  figure  published  on  the  second  Tuesday 
(or  on  the  next  business  day  if  the  second  Tuesday  is  a 
holiday)  each  month  is  called  the  “Current  Index.”  Your 
interest  rate  for  Purchases  (after  the  Introductory  Period) 
and  Balance  Transfers  on  your  World  MasterCard  account 
is based on a variable rate equal to the sum of the Current 
Index plus a “Rate Spread” of 11.74 percentage points. The 
interest  rate  for  Cash  Advances  on  your  Account  is  based 

M-114759 
BW-WCCAG (04/2015) 

on a variable rate equal to the sum of the Current Index plus 
a  “Rate  Spread”  of  21.74  percentage  points.    Immediately 
before each Change Date we will determine the new interest 
rate  by  adding  the  Rate  Spread  to  the  Current  Index.    The 
new  interest  rate  will  become  effective  at  the  start  of  your 
first  billing  cycle  after  the  Change  Date.  Only  one  Annual 
Percentage Rate and Daily Periodic Rate will be in effect for 
each Balance Category during the billing period. The Annual 
the  maximum  rate 
Percentage  Rate  will  not  exceed 
permitted  by  law.  The  effect  of  any  increase  in  the  Annual 
Percentage  Rate  and  the  Daily  Periodic  Rate  would  be  to 
increase the amount of INTEREST CHARGE or interest you 
must pay and thus increase your monthly payments. 

10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
appropriate  fees  listed  below  (as  permitted  by  applicable 
law)  which  may  be  amended  from  time  to  time  by  us.  You 
authorize  us  to  charge  your  Credit  Card  account  for  the 
following  fees  due  to  us.  Balance  Transfer  fee:  3.00%  of 
each balance transferred, $5 minimum. Cash Advance fee: 
4.00% of each Cash Advance, $10 minimum.  

11.  Foreign  Transaction  Fee.  Transactions  that  you 
make in a foreign currency or that you make outside of the 
United  States  of  America  even  if  it  is  made  in  U.S.  dollars 
are  considered  foreign  transactions.    If  you  make  a 
transaction  in  a  foreign  currency  it  will  be  billed  to  you  in 
U.S.  Dollars.  The  conversion  rate  to  U.S.  Dollars  will  be 
determined  by  MasterCard  International  in accordance with 
their  operating  regulations  or  conversion  procedures  in 
effect  at  the  time  the  transaction  is  processed.  Currently, 
their  regulations  and  procedures  provide  that  the  currency 
conversion  rate  they  use  is  either  (1)  a  government-
mandated rate or (2) a wholesale market rate, whichever is 
applicable,  in  effect  one  day  prior  to  the  processing  date. 
We do not determine the currency conversion rate which is 
used.    You  agree  to  pay  the  converted  amount  in  U.S. 
funds. In addition, MasterCard will charge us (the Bank) an 
international  transaction fee, currently equal to one percent 
(1.00%) of the transaction amount, which we will charge you 
whether that transaction was originally made in U.S. dollars 
or  was  made  in  another  currency  and  converted  to  U.S. 
dollars. This fee will be shown as a Foreign Transaction Fee 
on your statement. 

12. 

Fee. 

the  second  month  of 

  Annual  Membership 

The  World 
MasterCard  Account  is  subject  to  an  Annual  Membership 
Fee of $85.00. The Annual Membership Fee will be waived 
for the first year of your Account. After the first year, on an 
annual basis, but in no case later than the first business day 
of 
the 
anniversary  of  the  Account’s  opening  date,  the  Bank  will 
review  the  status  of  your  Bank  of  the  West  Premier 
Checking  account  to  determine  whether  or  not  the  Annual 
Membership Fee will be waived.  This waiver will be applied 
annually so long as you maintain an open Bank of the West 
Premier  Checking  account  at  the  time  the  Bank  evaluates 
your status.    

the  quarter  preceding 

13.  Other Fees. As allowed by law, we may charge, and 
you agree to pay, fees for certain services or requests made 
by you, such as but not limited to: Automated Teller Machine 
(“ATM”)  transactions  conducted  at  machines  not  operated 
by us, requests for copies of billing statements, sales drafts, 
or  other  records  of  your  Account,  or  if  you  request  a 
replacement  card(s).    However,  we  will  not  charge  fees for 
copies of documents requested for a billing dispute.  These 
fees  may  change  from  time  to  time.    We  will inform you of 
the  fee(s)  that  you  will  incur  prior  to  when  the  applicable 
service(s) is(are) provided or when you make the request(s), 
as  applicable.  You authorize us to charge your Credit Card 
account  for  any  such  fees  that  you  incur.  We  reserve  the 
right to waive a fee from time to time but a waiver does not 
mean we will continue to waive such fee in the future. 

14.    Default.  We  may  declare  the  entire  balance  for  all 
Credit  Card  accounts  due  and  payable  at  once  with  or 
without notice or demand if any of these events (a “Default”) 
happens: 

a. If  you  miss  a  payment  under  this  Agreement  or  any 

other obligation you owe us; or 

b. If you violate any terms of this Agreement. 

If  you  are  in  Default,  we  may  terminate  your  Credit  Card 
account, make no more additional loans, and require you to  

 
 
immediately repay the entire unpaid balance of all amounts 
due on your Credit Card account, including but not limited to 
all loan amounts, late charges and other charges assessed 
but  not  paid,  and  all  of  the  INTEREST  CHARGES  accrued 
but not paid. If we terminate your Credit Card account, your 
obligation  to  repay  the  amounts  you  already  owe  us  would 
continue.  

including 

At our option, we may also take action short of terminating 
If  your  required  minimum 
your  Credit  Card  account. 
payment  (shown  on  your  periodic  statement  as  “Minimum 
Payment  Due”)  is  not  received  within  60  days  of  the 
Payment  Due  Date,  your  ANNUAL  PERCENTAGE  RATE 
for  all  balances  will  be  a  variable  rate  equal  to  the  sum  of 
the Current Index plus a “Rate Spread” of 26.74 percentage 
points (Penalty Rate).  You will be provided with a notice 45 
days  in  advance  of  the  effective  date  of  the  change  in 
Annual  Percentage  Rate.    Your  payments  under  this 
INTEREST 
Agreement, 
CHARGE,  will  increase  as  a  result  of  the  increase  in  your 
ANNUAL  PERCENTAGE  RATE,  and  any  such  increase  in 
your ANNUAL PERCENTAGE RATE will be shown on your 
next  periodic  statement.  We  may  reinstate  your  ANNUAL 
PERCENTAGE RATE to the rate set forth in this Agreement 
once  you  have  made  at  least  your  Minimum  Payment  Due 
for  (6)  consecutive  billing  periods  immediately following the 
effective  date  of  the  Penalty  Rate.    If  we  take  such  lesser 
action initially, we reserve the right to terminate your Credit 
Card  account  and  accelerate  all  amounts  due  under  this 
Agreement  regardless  of  whether  any  additional  events 
have  occurred  which  would  permit 
termination  and 
acceleration.  

the  amount  of 

the 

15.  Automated Terminal Services 

a. Automated  Terminals.  You  may  use  your  Card  in 

the following automated terminals: 

  (1) Any Bank of the West automated teller machines. 
is 
  (2) Any  other  automated 
participating  in  a  network  and  accepts  our  Card  (“Network 
ATM”) and 

teller  machine 

that 

  (3) Any  point-of-sale  terminal  that  accepts  our  Card 

(“POS terminal”). 

b. Services Available at an Automated Terminal 
  (1) You may use your Card at a Bank of the West or 

any Network ATM to: 

(a) Get  a  Cash  Advance  from  your  Credit  Card 

account. 

(b) Get your Credit Card account balances. These 
balances may not include some transactions recently made 
in your Credit Card account. Some of the services described 
in  subparagraphs  (a)  and  (b)  may  not  be  available  at  all 
Network ATMs. 

(c) You  may  use  your  Card  at  a  POS  terminal  to 
purchase  certain  merchandise.  The  amount  of  your 
purchase  will  automatically  be  charged  to  your  Credit  Card 
account as a Purchase. 

c. Limits  of  Automated  Terminal  Services  -  Cash 
Advances.  You  may  get  a  Cash  Advance  from  a  Bank  of 
the West Automated Terminal up to an aggregate amount of 
$500 each calendar day, provided that this amount does not 
exceed your Credit Limit. This amount may be less for Cash 
Advances from Network ATMs. 

d. Card  and  Secret  Code  (PIN)  Use.  You  are 
responsible  for  all  transactions  in  which  you  use  your  Card 
in an automated terminal, or the use of the Card by anyone 
else who uses it with your permission. Security in use of the 
Card  is  provided  by  the  secret  code,  which  we  will  provide 
you,  and  the  magnetically  encoded  stripe  on  the  Card. 
Please keep the Card safe and also protect the secret code. 
Use the Card and the secret code as instructed at all times. 
Please  notify  us  of  any  mechanical  or  operating  failure  in 
connection with the use of your Card. Do not permit anyone 
else to use your Card and do not disclose your secret code 
or  record  it  on  the  Card.  The  Card  remains  the  property of 
the Bank and can be revoked and repossessed at any time. 
You must return it to us when asked. 

e. Fees  for  Using  Automated  Terminal  Services. 
Fees  may  be  charged  for  transactions  made  at  automated 
teller  machines  not  operated  by  us  as  described  in 
paragraph 13-Other Fees. 

16.  Lost  or  Stolen  Card;  Your  Liability 

for 
Unauthorized  Use.  Tell  us  AT  ONCE  if  you  believe  your 
M-114759 
BW-WCCAG (04/2015) 

Card has been lost or stolen. Telephoning is the best way of 
keeping your possible losses down. 

You may be liable for the unauthorized use of your Card 
as a credit card. You will not be liable for unauthorized use 
of  your  Card  as  a  credit  card  which  occurs  after  you  notify 
us at the telephone number or address stated in paragraph 
17, orally or in writing, of loss, theft, or possible unauthorized 
use.  In  any  case,  your  liability  for  unauthorized  use  of  your 
Card as a credit card will not exceed $50.00. 

17.  Where to Call or Write. If you believe your Card has 
been  lost  or  stolen  or  that  someone  is  using  your  Card  or 
Credit  Card  account  without  your  permission,  call:  1-844-
446-9378 (for TTY/TDD call 1-800-659-5495) or write to: PO 
Box 2078, Omaha, NE 68103-2078.  

18.  Our Business Days. Our business days are Monday 

through Friday, except for bank holidays. 

19.  Credit Investigation and Disclosure. You authorize 
us,  both  now  and  in  the  future,  to  check  your  credit  and 
employment  history  and  to  release  information  about  our 
credit  experience  with  you  in  response  to  legitimate  credit 
inquiries. If you believe that we have incorrect information or 
have  reported  inaccurate  information  about  you  to  a  credit 
bureau, please call us at 1-844-446-9378 (for TTY/TDD call 
1-800-659-5495). 

20.  Security  Interest.  We  have  no  security  for  any 
amounts  which  become  due  under  this  Agreement,  even 
though any other agreement you may have with us, such as 
a mortgage, may provide for such a security interest, unless 
you  have given us a specific security interest in connection 
with this Agreement, which is described on the Supplement 
attached to this Agreement. 

21.  Collection.  You  promise  to  pay  all  collection  costs, 
including,  without  limitation,  mailgram  charges,  reasonable 
lawyers’ fees and court costs, as permitted by law. 

22.  If  There  are  More  Than  One  of  You.  Each  of  you 
individually,  or  all  of  you  together,  will  be  liable  under  this 
Agreement. We may collect from or sue any one of you, or 
make  any  settlements  or  extensions  with  any  one  of  you, 
without  giving  up  our  rights  against 
the  other.  You 
understand  that  any  one  of  you  can  make  Purchases,  get 
Cash  Advances,  or  perform  Balance  Transfers  under  this 
Agreement which will be binding upon all of you. 

23.  No  Waiver  of  Rights.  If  we  choose  to  waive  any  of 
the terms or conditions of this Agreement on a case-by-case 
basis, such as by not declaring the entire balance due when 
the minimum monthly payment has not been made on time, 
it does not mean that we have waived, or given up, our right 
to  exercise  any  of  our  rights  or  remedies  under  this 
Agreement  in  the  future.  We  are  not  required  to  use  any 
particular  kind  of  demand  or  notice  in  order  to  collect 
amounts due to us under this Agreement. No indulgence or 
acceptance  by  us  of  delinquent  or  partial  payments 
constitute  a  waiver  of  our  rights  or  of  any  provision  of  this 
Agreement.  No  waiver  of  any  existing  default  shall  be 
deemed to waive any subsequent default. 

24.  Changing Terms.  We can change, add to, delete or 
otherwise modify the terms of this Agreement at any time in 
any  way  permitted  by  law.  We  will  send  you  a  notice  of 
change  at  least  45  days  (or  as  required  by  applicable  law) 
before the effective date of the change. We do not have to 
send  you  an  advance  notice  of  the  change  if  it  favors  you, 
such as by reducing rates, or increasing the maximum credit 
limit.  Except in cases where we are changing terms due to 
the  Minimum  Payment  Due  not  being  received  within  60 
days  of  the  Payment  Due  Date,  you  agree  that the change 
may  cover  all  transactions  made  15  days  after we mail the 
notice.  If  you  do  not  agree  to  the  change,  a  method  for 
rejecting  the  change  and  closing  the  account  will  be 
provided in the Change of Terms Notice.   You agree that if 
you use your card after the effective date of the change, this 
will constitute your agreement with the change. 

25.  Canceling  this  Agreement.    We  have  the  right  to 
cancel  this  Agreement  at  any  time  by  sending  a  notice  to 
any  one  of  you  in  writing.  You  also  have  the  same  right  to 
cancel this Agreement at any time by sending us a notice in 
writing  or  calling  the  BankCard  Center  at  1-844-446-9378 
(for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is 
canceled  by  you  or  us,  your  obligation  is  to  repay  amounts 
you  already  owe  under  this  Agreement.   In either case, the 

 
   
   
   
account will be closed and you will no longer have access to 
the account. 

26.  Governing Law. This Agreement will be governed by 
the  laws  of  the  State  of  Nebraska,  and,  as  applicable, 
federal law, regardless of where the transactions are made. 
27.  Monitoring/Recording  Telephone  Calls.  Our 
supervisory  personnel  may  listen  to  and  record  your 
telephone  calls  to  us  for  the  purpose  of  monitoring  and 
improving the quality of service you receive. 

28.  Severability.    All  other  provisions  of  this  Agreement 
shall  remain  in  full  force  even  if  one  or  more  provisions  of 
this  Agreement  are  held 
illegal,  void  or 
unenforceable  by  any  rule  or  law,  administrative  order  or 
judicial decision. 

invalid, 

29.  Our Communications with You 

You agree that we, any of our affiliates, agents, independent 
contractors  or  service  providers  may  monitor  and  record 

telephone  calls  regarding  your  banking  services  to  assure 
the quality of our service or for other reasons. You expressly 
consent  that  we,  any  of  our  affiliates,  agents,  independent 
contractors or service providers may use written, electronic, 
or verbal means, or  any other medium, as permitted by law 
and  including,  but  not  limited  to,  mail  and  facsimile,  to 
contact  you.  Your  consent  includes,  but  is  not  limited  to, 
contact by manual calling methods, prerecorded or artificial 
voice  messages,  text  messages,  e-mails  and/or  automatic 
telephone  dialing  systems.  You  agree  that  we,  any  of  our 
affiliates,  agents, 
independent  contractors  or  service 
providers  may  contact  you  by  using  any  e-mail  or  any 
telephone  number  you  provide,  including  a  telephone 
number  for  a  cellular  phone  or  other  wireless  device, 
regardless of whether you incur any charges as a result.   

YOUR BILLING RIGHTS 
Keep This Notice for Future Use 
This notice contains important information about your rights and our responsibilities  
under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 
If  you  think  there  is  an  error on your statement, write to us 
at:  

Bank of the West 
BankCard Customer Service Department 
PO Box 2319  

  Omaha, NE 68172-9793 
In your letter, give us the following information: 

•  Account information: Your name and account 

number. 

•  Dollar amount: The dollar amount of the suspected 

error. 

•  Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your 

statement. 

•  At least 3 business days before an automated 

payment is scheduled, if you want to stop payment 
on the amount you think is wrong. 

You  must  notify  us  of  any  potential  errors  in  writing.    You 
may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in 
question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell you 
that we received your letter.  We will also tell you if we 
have already corrected the error. 

2.  Within  90  days  of  receiving  your  letter,  we  must  either 
correct the error or explain to you why we believe the bill 
is correct.  While we investigate whether or not there 
has been an error: 
•  We cannot try to collect the amount in question, or 

report you as delinquent on that amount. 
•  The charge in question may remain on your 

statement, and we may continue to charge you 
interest on that amount. 

•  While you do not have to pay the amount in 

question, you are responsible for the remainder of 
your balance. 

•  We can apply any unpaid amount against your 

credit limit. 

After we finish our investigation, one of two things will 
happen: 
• 

If we made a mistake: You will not have to pay the 
amount in question or any interest or other fees 
related to that amount. 
If we do not believe there was a mistake: You will 
have to pay the amount in question, along with 
applicable interest and fees.  We will send you a 
statement of the amount you owe and the date 
payment is due.  We may then report you as 

• 

M-114759 
BW-WCCAG (04/2015) 

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 
those 
reported  you  as  delinquent,  and  we  must 
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. 

let 

Your  Rights  If  You  Are  Dissatisfied  With  Your  Credit 
Card Purchases 

If  you  are  dissatisfied  with  the  goods or services that you 
have purchased with your credit card and you have tried in 
good  faith  to  correct  the  problem  with  the  merchant,  you 
may have the right not to pay the remaining amount due on 
the purchase. 

To use this right, all of the following must be true: 
1.  The purchase must have been made in your home state 
or within 100 miles of your current mailing address, and 
the  purchase  price  must  have  been  more  than  $50.  
(Note:  Neither  of  these  are  necessary  if  your  purchase 
was based on an advertisement we mailed to you, or if 
we  own  the  company  that  sold  you  the  goods  or 
services.) 

2.  You  must  have used your credit card for the purchase.  
Purchases  made  with  cash  advances  from  an  ATM  or 
with a check that accesses your credit card account do 
not qualify. 

3.  You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still 

dissatisfied with the purchase, contact us in writing at: 

Bank of the West 
BankCard Customer Service Department 
PO Box 2319  

  Omaha, NE 68172-9793 
While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount  as  discussed  above. 
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. 

  After  we 

NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
Credit Card Agreement is subject to all claims and defenses 
which the debtor could assert against the seller of goods or 
services  obtained  pursuant  hereto  or  with  the  proceeds 
hereof.  Recovery hereunder by the debtor shall not exceed 
amounts paid by the debtor hereunder. 

 
 
 
 
 
 
 
 
 
M-113124 
Rev. 03/2015 

Account Opening Disclosure – Standard Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0.00% Introductory APR for the first six months.    

APR for Balance Transfers 

    After that, your APR will be 20.99%.  This APR will vary with the market based   
    on the Prime Rate.  
20.99%  

APR for Cash Advances 

    This APR will vary with the market based on the Prime Rate. 
24.99%  

Penalty APR and When it 
Applies 

    This APR will vary with the market based on the Prime Rate. 
29.99% 

    This APR may be applied to your account if your payment is more than 60 days past  
    the Payment Due Date. 

    How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
    make six consecutive minimum payments when due beginning with the payment 
    following the commencement of the Penalty APR.  

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

    This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 
If you are charged interest, the charge will be no less than $1.00. 
To learn more about factors to consider when applying for or using a credit card,  
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore/. 

Fees 
Annual Fee 
Transaction Fees 

None 

•  Balance Transfer  

Either $5 or 3% of the amount of each transfer, whichever is greater. 

•  Cash Advance  

Either $10 or 4% of the amount of each cash advance, whichever is greater. 

•  Foreign Transaction  

3% of the U.S. Dollar amount of each such transaction.  

Penalty Fees 

•  Late Payment  

Up to $35 (Varies by State.  See next page for details.). 

•  Returned Payment  

Up to $35 (Varies by State.  See next page for details.). 

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”  
See your Credit Card Agreement for more details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
60 days past the Payment Due Date. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
Credit Card Agreement.   

Continued on next page. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Late Payment fee for Iowa residents is $15.  For other states the fee is $25 for the first violation and $35 for each 
subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, 
the fee will be equal to the Minimum Payment Due. 

Returned Payment fee for Iowa residents is $19.95.  For other states the fee is $25 for the first violation and $35 for each 
subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment 
Due, the fee will be equal to the Minimum Payment Due. 

M-113124 
Rev. 03/2015 

 
 
 
 
 
 
 
 
 
By  requesting  or  accepting  any  Standard  MasterCard, 
Standard  Visa,  Platinum  MasterCard,  Platinum  Visa,  
Platinum Rewards MasterCard, or Platinum Rewards Visa 
account  (individually  or  collectively  called  “Credit  Card 
account” or “Account”) with Bank of the West, you agree to 
be  bound  by  all  the  terms  of  this  Agreement.  In  this 
Agreement,  the  words  “you”  or  “your”  mean  everyone  who 
has  requested  or  accepted  a  Credit  Card  account  with  us. 
The  words  “we,”  “us,”  “our,”  or  “Bank”  mean  Bank  of  the 
West.  If you do not accept this Agreement, you must notify 
us in writing within 5 days after receipt.  Use of your card or 
any  feature  (including  a  balance  transfer)  of  your  Credit 
Card  Agreement  shall  constitute  acceptance  of 
this 
Agreement.  

1. Use.  Your  Standard  MasterCard,  Standard  Visa, 
Platinum  MasterCard,  Platinum  Visa,  Platinum  Rewards 
MasterCard, or Platinum Rewards Visa card (individually or 
collectively  called  “Card”)  may  be  used  as  a  credit card for 
from  participating 
purchases  of  goods  or  services 
merchants  (“Purchases”)  or  to  get Cash Advances from us 
or any other financial institution displaying the “MasterCard” 
or  “Visa”  logo,  or  to  purchase  certain  items  such  as 
traveler's  cheques,  foreign  currency,  money  orders,  wire 
transfers, lottery tickets, and (except as noted below) funds 
to  be  used  for  wagers  or  gambling  (all  of  which  are 
collectively  referred  to  as  “Cash  Advances”)  up  to  your 
Credit Limit; provided, however, you may not use your Card 
(i)  to  make  Purchases  or  obtain  Cash  Advances  for  any 
illegal transaction, or (ii) for any internet or online gambling 
transactions.    Transactions  for  online  or  internet  gambling 
will not be approved.  If you use your Card for any illegal or 
prohibited  transaction,  this  Agreement  also  applies  to  such 
transaction  and  you  agree  to  pay  any  and  all  amounts 
related  to  such  transaction  pursuant  to  the  terms  of  this 
Agreement. We may, in our sole discretion, restrict the use 
of or terminate your Card if we notice excessive use of your 
Card  or  other  suspicious  activities  or  if  we  reasonably 
believe the Card is or has been used for one or more illegal 
or  prohibited  transactions.  You  can  also  obtain  a  Cash 
Advance  by  writing  a  special  MasterCard  or  Visa  check 
(“Convenience  Check”).    The Cash Advance will be posted 
to  your  Credit  Card  account  when  the  Convenience  Check 
reaches  us. If you stop payment on a Convenience Check, 
your  Credit  Card  account  will  be  charged  $16.00  (or  as 
permitted by law) for each stop payment. We may designate 
that only a portion of your Credit Limit is available for Cash 
Advances.  In  addition,  you  may  request  that  we  pay  other 
creditors  on  your  behalf  and  transfer  approved  amounts  to 
your Account (“Balance Transfers”). 

Your  Card  may  also  be  used  in  certain  automated 
terminals  to  gain  access  to your Credit Card accounts. We 
have  no  responsibility  for  the  failure  of  any  machine, 
merchant,  financial  institution,  or  any  other  party  to  honor 
your Card. Your Card and Credit Card account may be used 
only  for  valid  and  lawful  purposes.  If  you  use  or  allow 
someone  else  to  use  the  Card  or  Credit  Card  account  for 
any other purpose, you will be responsible for such use and 
may  be  required  to  reimburse  us  for  all  amounts  or 
expenses we pay as a result of such use. 

2. Credit  Limit.    We  will  notify  you  of  the  Credit  Limit  for 
each Credit Card account you have with us. You agree that 
your  total  charges,  including  Purchases,  Cash  Advances, 
Balance  Transfers,  INTEREST  CHARGES,  and  fees  that 
may  be  due  will  not  exceed  your  Credit  Limit.  If  you  do  go 
over  your  Credit  Limit,  you  must  repay  the  excess  amount 
immediately,  and  we  may  reduce  the  available  Credit  Limit 
of any other Credit Card account you have with us until such 
time  the  excess  amount  is  repaid.  You  may  apply  to 
increase  your  Credit  Limit  at  any  time  but  we  are  not 
obligated 
time. 
Furthermore, we reserve the right to lower your Credit Limit 
at any time. For security reasons, we may limit the number 
or  amount  of  transactions  that  may  be  accomplished  with 
your Card or Credit Card account, and we have the right to 
limit  authorizations  to  make  transactions  if  we  consider  it 
necessary to verify Payments received on your Credit Card 

increase  your  Credit  Limit  at  any 

to 

M-114758 
BW-CCAG (REV.  04/2015)  

CREDIT CARD AGREEMENT  

(Personal Accounts) 

account.  If we accept a payment from you in excess of your 
outstanding  balance,  your  available  Credit  Limit  will  not  be 
increased by the amount of the overpayment nor will we be 
required  to  authorize  transactions  for  an  amount  in  excess 
of your Credit Limit. 

3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
such as car rental companies and hotels, may request prior 
credit  approval  from  us  for  an  estimated  amount  of  your 
Purchases, even if you ultimately do not pay by credit. If our 
is  granted,  your  available  Credit  Limit  will 
approval 
temporarily  be  reduced  by the amount authorized by us.  If 
you  do  not  ultimately  use  your  Credit  Card  account  to  pay 
for  your  Purchases  or  if  the  actual  amount  of  Purchases 
posted  to  your  Credit  Card  account  varies  from  the 
estimated amount approved by us, it is the responsibility of 
the  merchant,  not  us,  to  cancel  the  prior  credit  approval 
based on the estimated amount. The failure of the merchant 
to  cancel  a  prior  credit  approval  may  result  in  a  temporary 
reduction of your available Credit Limit, but will not increase 
the amount you owe us under this Agreement. 

4. Agreement to Pay. When you use your Card or Credit 
Card  account,  or  when  you  permit  anyone  to  use  it,  you 
agree  to  pay  the  amount  of  any  and  all  transactions 
(including any which may have been made in violation of this 
Agreement),  and  the  INTEREST  CHARGES,  and  fees  that 
may become due as shown on the periodic statement. You 
agree  that  we  may  change  or  cancel  your  Credit  Card 
Account at any time without affecting your obligation to pay 
the amounts that you owe under this Agreement.  

5. Periodic  Statement.  Each  month  we  will  send  you  a 
periodic  statement  for  each  Credit  Card  account  you  have 
with  us  covering  the  previous  billing  period.  We  may  not 
send  you  a  statement  if  your  balance  is  less  than  $1  and 
there  were  no  transactions  during  the  billing  period.  The 
statement  will  have  a  “Statement  Period  Date”,  “Statement 
Closing  Date”  and  a  “Payment  Due  Date,”  and  will  show, 
among  other  things,  your  “Previous  Balance,”  your  “New 
Balance,” and your minimum monthly payment, which will be 
shown as “Minimum Payment Due.” 

6. Payment.  You  must  make a payment by the “Payment 
Due  Date.”  You  have  two  choices:  You  may  pay  the  entire 
“New Balance” or you may pay in installments by paying at 
least  the  “Minimum  Payment  Due.”  When  your  payment  is 
properly received, we will allocate your payment in a manner 
we  determine  except  as  otherwise  required  by  law.    The 
Minimum  Payment 
to 
INTEREST CHARGES and finally to principal. We apply the 
Minimum  Payment  to  balances  with  lower  APRs,  including 
introductory  APRs,  before  balances  with  higher  APRs. 
Payments made in excess of the Minimum Payment will be 
applied first to balances with the highest Annual Percentage 
Rate and then to each successive balance bearing the next 
highest Annual Percentage Rate.  

is  applied 

fees, 

then 

first 

to 

 Payments  must  be  mailed  to  the  BankCard  Center 
address  specified  in  your  periodic  statement.  Payments 
must  reach  our  BankCard  Center  during  our  regular 
business day in order to be credited on that date.  Payments 
received after the cutoff times of 5:00 p.m. PT are credited 
as of the following business day. If you make a payment by 
any means other than mail to our BankCard Center crediting 
of the payment may be delayed.  If you fail to properly make 
payments,  crediting  such  payments  may  be  delayed.  Your 
total  available  credit  may not be restored for up to 15 days 
after we receive your payment.    

If  a  payment  is  returned  to  us  for  any  reason,  we  may 
apply  a Returned Payment Fee of $25 for the first violation 
and  $35  for  each  subsequent  violation  within  the  next  six 
billing cycles. The Returned Payment Fee for Iowa residents 
is $19.95.  If the Returned Payment Fee is greater than the 
Minimum  Payment  Due,  the  fee  will  be  equal  to  the 
Minimum Payment Due.  

  From time to time, we may let you skip or reduce one or 
more  monthly  payments  during  a  year  and/or  we  may 
temporarily 
INTEREST 
reduce  or  eliminate  certain 
CHARGES  on  all  or  a  portion  of  your  Credit  Card  account 

 
 
 
 
 
 
balance  or  offer  you  other  special  terms.  If  we  do,  we  will 
advise you of the scope and duration of the applicable skip 
or  promotional  feature.  When  the  skip  or  promotional 
feature  ends,  your  regular  rates  and  all  the  terms  of  the 
Agreement will resume. 

7. Minimum  Payment-  Late  Payment  Fee.  At  least  the 
amount of the “Minimum Payment Due” must be received by 
us  by  the  “Payment  Due  Date.”  If  it  is  not, we may apply a 
Late  Payment  fee  of  $25  for  the  first  violation  and  $35  for 
each  subsequent  violation  within  the  next  six  billing  cycles.  
The Late Payment fee for Iowa residents is $15.  If the Late 
Payment fee is greater than the Minimum Payment Due, the 
fee  will  be  equal  to  the  Minimum  Payment  Due.    If  such 
charge would result in an INTEREST CHARGE greater than 
the  maximum  allowed  by  law,  we  will  only  charge  the 
maximum  allowable  rate.  Your  Minimum  Payment  Due  will 
be 3% of the New Balance plus any Late Payment fee (with 
a  minimum  of  the  lesser  of  $25  or  your  New  Balance)  and 
any amount over your credit limit and past due amount. 

8.  How  to  Avoid  Paying  Interest  on  Purchases.  There 
may  be  different  treatment  of  INTEREST  CHARGES  for 
Purchases,  Balance  Transfers,  and  Cash  Advances,  even 
though  they  are  computed  the  same  way.  You  may  avoid 
paying an INTEREST CHARGE on Purchases if we receive 
the entire New Balance by the Payment Due Date. If we do 
not  receive  the  entire  New  Balance  by  the  Payment  Due 
Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
Purchases  from  the  date  of  the  transaction.  INTEREST 
CHARGES on all other balances, including Cash Advances 
and  Balance  Transfers,  begin  on  the  transaction  date  and 
will be assessed even if your entire New Balance is paid by 
the Payment Due Date. 

9. Computing  Your  INTEREST  CHARGE.  We  figure  the 
INTEREST  CHARGE  on  each  Credit  Card  account  by 
applying the periodic rate to the “Average Daily Balance” of 
each  Balance  Category  on  the  Credit  Card  account, 
including  current  transactions.  Balance  Categories  include 
Purchases, 
Advances, 
Introductory Rates and any special rate offers we may make 
available from time to time.  If you are charged interest, the 
charge  will  be  no  less  than  $1.00  (the  minimum  interest 
charge will appear as “Minimum Charge” in the fees section 
of your statement).  

Transfers,  Cash 

Balance 

a.  Average Daily Balance.  To obtain the daily balance 
for  each  Balance  Category  we  take  the  beginning  balance 
each  day  and  add  new  transactions  applicable  to  each 
category,  and  subtract  any  payments,  credits,  and  refunds 
applied  to  the  category.   To  figure  your  Average  Daily 
Balance  for  each  Balance  Category,  we  add  all  your  daily 
balances  and  divide  by  the  number  of  days  in  the  billing 
period. 

b.  Figuring the INTEREST CHARGE. We compute the 
for  each  Balance  Category  by 
INTEREST  CHARGE 
multiplying  these  Average  Daily  Balances  by  the  applicable 
Daily  Periodic  Rate,  and  then  we  multiply  the  result  by  the 
number of days in the billing period. To determine the Daily 
Periodic  Rate  for  each  Balance  Category,  we  divide  the 
applicable  ANNUAL  PERCENTAGE  RATE  in  effect  for  the 
billing period by 365 (366 for leap year). The way we get the 
ANNUAL PERCENTAGE RATE for each Balance Category 
is described below under “Fixed Rate” and “Variable Rate.” 

c.    Fixed  Rate.  For  the  first  six  months  (“Introductory 
Period”) your interest rate for Purchases on your Account is 
equal  to  0.00%  APR;  thereafter,  your  interest  rate  for 
Purchases  will  apply.    There  is  no  introductory  rate  for 
Balance Transfers or Cash Advances.  

d.  Variable Rate. The current Annual Percentage Rate 
for  all  variable  rates  is  shown  on  the  Account  Opening 
Disclosure  which  has  been  provided  to  you  with  this 
Agreement. The Daily Periodic Rate and the corresponding 
Annual  Percentage  Rate  may  change  each  month  on  the 
first  day  of  each  of  your  billing  cycles.  Each  date  on  which 
the rate of interest could change is called a “Change Date.” 
Changes will be based on changes in the “Index.” The Index 
is  the  highest  Prime  Rate  published  in  the  “Money  Rates” 
table  of  The  Wall  Street  Journal.  If  the  Index  is  no  longer 
available, we will choose a new index which is based upon 
comparable  information  and  will  give  you  notice  of  our 
choice.  The  Index  figure  published  on  the  second  Tuesday 

M-114758 
BW-CCAG (REV. 10/14)  

rate 

(after 

interest 

for  Purchases 

(or  on  the  next  business  day  if  the  second  Tuesday  is  a 
holiday)  each  month  is  called  the  “Current  Index.”  Your 
interest  rate  for  Purchases  (after  the  Introductory  Period) 
and  Balance  Transfers  on  your  Standard  Credit  Card 
account is based on a variable rate equal to the sum of the 
Current  Index  plus  a  “Rate  Spread”  of  17.74  percentage 
points.  The 
the 
Introductory  Period)  and  Balance  Transfers  on  your 
Platinum  Rewards  Credit  Card  account  is  based  on  a 
variable  rate  equal  to  the  sum  of  the  Current  Index  plus  a 
“Rate Spread” of 15.74 percentage points.  The interest rate 
for  Purchases  (after  the  Introductory  Period)  and  Balance 
Transfers on your Platinum Credit Card account is based on 
a variable rate equal to the sum of the Current Index plus a 
“Rate Spread” of 13.74 percentage points. The interest rate 
for Cash Advances on your Account is based on a variable 
rate  equal  to  the  sum  of  the  Current  Index  plus  a  “Rate 
Spread”  of  21.74  percentage  points.  Immediately  before 
each  Change  Date  we  will  determine  the  new  interest  rate 
by  adding  the  Rate  Spread  to  the  Current  Index.  The  new 
interest  rate  will  become  effective  at  the  start  of  your  first 
billing  cycle  after  the  Change  Date.  Only  one  Annual 
Percentage Rate and Daily Periodic Rate will be in effect for 
each Balance Category during the billing period. The Annual 
Percentage  Rate  will  not  exceed 
the  maximum  rate 
permitted  by  law.  The  effect  of  any  increase  in  the  Annual 
Percentage  Rate  and  the  Daily  Periodic  Rate  would  be  to 
increase the amount of INTEREST CHARGE or interest you 
must pay and thus increase your monthly payments. 

10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
appropriate  fees  listed  below  (as  permitted  by  applicable 
law)  which  may  be  amended  from  time  to  time  by  us.  You 
authorize  us  to  charge  your  Credit  Card  account  for  the 
following  fees  due  to  us.  Balance  Transfer  fee:  3.00%  of 
each balance transferred, $5 minimum. Cash Advance fee: 
4.00% of each Cash Advance, $10 minimum.  

the 

time 

transaction 

in  effect  at 

11.    Foreign  Transaction  Fee.  Transactions  that  you 
make in a foreign currency or that you make outside of the 
United  States  of  America  even  if  it  is  made  in  U.S.  dollars 
are  considered  foreign  transactions.    If  you  make  a 
transaction  in  a  foreign  currency  it  will  be  billed  to  you  in 
U.S.  Dollars.  The  conversion  rate  to  U.S.  Dollars  will  be 
determined by Visa International or MasterCard International 
in accordance with their operating regulations or conversion 
is 
the 
procedures 
processed.  Currently,  their  regulations  and  procedures 
provide  that the currency conversion rate they use is either 
(1) a government-mandated rate or (2) a wholesale market 
rate,  whichever  is  applicable,  in  effect  one  day  prior  to  the 
processing  date.  We  do  not  determine 
the  currency 
conversion  rate  which  is  used.    You  agree  to  pay  the 
converted  amount  in  U.S.  funds.  In  addition,  Visa  or 
MasterCard  will  charge  us  (the  Bank)  an  international 
transaction  fee,  currently  equal  to  one  percent  (1.00%)  of 
the transaction amount. We will charge you the international 
transaction  fee  imposed  on  us  plus  an  additional  two 
percent  (2.00%)  of  the  transaction  amount  whether  that 
transaction was originally made in U.S. dollars or was made 
in  another  currency  and  converted  to  U.S.  dollars.    These 
two  fees  will  be  aggregated  and  shown  as  one  Foreign 
Transaction Fee on your statement. 

12.  Other Fees. As allowed by law, we may charge, and 
you agree to pay, fees for certain services or requests made 
by you, such as but not limited to: Automated Teller Machine 
(“ATM”)  transactions  conducted  at  machines  not  operated 
by us, requests for copies of billing statements, sales drafts, 
or  other  records  of  your  Account,  or  if  you  request  a 
replacement  card(s).    However,  we  will  not  charge  fees for 
copies of documents requested for a billing dispute.  These 
fees  may  change  from  time  to  time.    We  will inform you of 
the  fee(s)  that  you  will  incur  prior  to  when  the  applicable 
service(s) is(are) provided or when you make the request(s), 
as  applicable.  You authorize us to charge your Credit Card 
account  for  any  such  fees  that  you  incur.  We  reserve  the 
right to waive a fee from time to time but a waiver does not 
mean we will continue to waive such fee in the future.  

13.  Default.  We  may  declare  the  entire  balance  for  all 
Credit  Card  accounts  due  and  payable  at  once  with  or 

 
without notice or demand if any of these events (a “Default”) 
happens: 

a. If  you  miss  a  payment  under  this  Agreement  or  any 

other obligation you owe us; or 

b. If you violate any terms of this Agreement. 
If you are in Default, we may terminate your Credit Card 
account, make no more additional loans, and require you to 
immediately repay the entire unpaid balance of all amounts 
due on your Credit Card account, including but not limited to 
all loan amounts, late charges and other charges assessed 
but  not  paid,  and  all  of  the  INTEREST  CHARGES  accrued 
but not paid. If we terminate your Credit Card account, your 
obligation  to  repay  the  amounts  you  already  owe  us  would 
continue.  

At  our  option,  we  may  also  take  action  short  of 
terminating  your  Credit  Card  account.  If  your  required 
minimum  payment  (shown  on  your  periodic  statement  as 
“Minimum  Payment  Due”)  is  not  received  within  60 days of 
the  Payment  Due  Date,  your  ANNUAL  PERCENTAGE 
RATE  for  all  balances  will  be  a  variable  rate  equal  to  the 
sum  of  the  Current  Index  plus  a  “Rate  Spread”  of  26.74 
percentage points (Penalty Rate). You will be provided with 
a  notice  45  days  in  advance  of  the  effective  date  of  the 
change  in  Annual  Percentage  Rate.    Your  payments  under 
this  Agreement,  including  the  amount  of  the  INTEREST 
CHARGE,  will  increase  as  a  result  of  the  increase  in  your 
ANNUAL  PERCENTAGE  RATE,  and  any  such  increase  in 
your ANNUAL PERCENTAGE RATE will be shown on your 
next periodic statement. We will reinstate your Daily Periodic 
Rate  and  ANNUAL  PERCENTAGE  RATE  to  the  rate  set 
forth  in  this  Agreement  once  you  have  made  at  least  your 
Minimum  Payment  Due  for  six  (6)  consecutive  billing 
periods  immediately  following  the  effective  date  of  the 
Penalty  Rate.    If  we  take  such  lesser  action  initially,  we 
reserve the right to terminate your Credit Card account and 
accelerate all amounts due under this Agreement regardless 
of whether any additional events have occurred which would 
permit termination and acceleration.  

14.  Automated Terminal Services 

a. Automated  Terminals.  You  may  use  your  Card  in 

the following automated terminals: 

  (1) Any Bank of the West automated teller machines. 
is 
  (2) Any  other  automated 
participating  in  a  network  and  accepts  our  Card  (“Network 
ATM”) and 

teller  machine 

that 

  (3) Any  point-of-sale  terminal  that  accepts  our  Card 

(“POS terminal”). 

b. Services Available at an Automated Terminal 
  (1) You may use your Card at a Bank of the West or 

any Network ATM to: 

(a) Get  a  Cash  Advance  from  your  Credit  Card 

account. 

(b) Get your Credit Card account balances. These 
balances may not include some transactions recently made 
in your Credit Card account. Some of the services described 
in  subparagraphs  (a)  and  (b)  may  not  be  available  at  all 
Network ATMs. 

(c) You  may  use  your  Card  at  a  POS  terminal  to 
purchase  certain  merchandise.  The  amount  of  your 
purchase  will  automatically  be  charged  to  your  Credit  Card 
account as a Purchase. 

c. Limits  of  Automated  Terminal  Services  -  Cash 
Advances.  You  may  get  a  Cash  Advance  from  a  Bank  of 
the West Automated Terminal up to an aggregate amount of 
$500 each calendar day, provided that this amount does not 
exceed your Credit Limit. This amount may be less for Cash 
Advances from Network ATMs. 

d. Card  and  Secret  Code  (PIN)  Use.  You  are 
responsible  for  all  transactions  in  which  you  use  your  Card 
in an automated terminal, or the use of the Card by anyone 
else who uses it with your permission. Security in use of the 
Card  is  provided  by  the  secret  code,  which  we  will  provide 
you,  and  the  magnetically  encoded  stripe  on  the  Card. 
Please keep the Card safe and also protect the secret code. 
Use the Card and the secret code as instructed at all times. 
Please  notify  us  of  any  mechanical  or  operating  failure  in 
connection with the use of your Card. Do not permit anyone 
else to use your Card and do not disclose your secret code 
or  record  it  on  the  Card.  The  Card  remains  the  property of 

M-114758 
BW-CCAG (REV.  04/2015)  

the Bank and can be revoked and repossessed at any time. 
You must return it to us when asked. 

e. Fees  for  Using  Automated  Terminal  Services. 
Fees  may  be  charged  for  transactions  made  at  automated 
teller  machines  not  operated  by  us  as  described  in 
paragraph 12-Other Fees. 

15.  Lost  or  Stolen  Card;  Your  Liability 

for 
Unauthorized  Use.  Tell  us  AT  ONCE  if  you  believe  your 
Card has been lost or stolen. Telephoning is the best way of 
keeping your possible losses down. 

You may be liable for the unauthorized use of your Card 
as a credit card. You will not be liable for unauthorized use 
of  your  Card  as  a  credit  card  which  occurs  after  you  notify 
us at the telephone number or address stated in paragraph 
16, orally or in writing, of loss, theft, or possible unauthorized 
use.  In  any  case,  your  liability  for  unauthorized  use  of  your 
Card as a credit card will not exceed $50.00. 

16.  Where to Call or Write. If you believe your Card has 
been  lost  or  stolen  or  that  someone  is  using  your  Card  or 
Credit  Card  account  without  your  permission,  call: 
1-800-996-2638 (for TTY/TDD call 1-800-659-5495) or write 
to:  Bank  of  the  West,  BankCard  Security  Department,  PO 
Box 2078, Omaha, NE 68103-2078. 

17.   Our Business Days. Our business days are Monday 

through Friday, except for bank holidays. 

18.  Credit Investigation and Disclosure. You authorize 
us,  both  now  and  in  the  future,  to  check  your  credit  and 
employment  history  and  to  release  information  about  our 
credit  experience  with  you  in  response  to  legitimate  credit 
inquiries. If you believe that we have incorrect information or 
have  reported  inaccurate  information  about  you  to  a  credit 
bureau, please call us at 1-800-996-2638 (for TTY/TDD call 
1-800-659-5495).    As  required  by  law,  you  are  hereby 
notified that a negative credit report reflecting on your credit 
history may be submitted to a credit reporting agency if you 
fail to fulfill the terms of your credit obligations. 

19.  Security  Interest.  We  have  no  security  for  any 
amounts  which  become  due  under  this  Agreement,  even 
though any other agreement you may have with us, such as 
a mortgage, may provide for such a security interest, unless 
you  have given us a specific security interest in connection 
with this Agreement, which is described on the Supplement 
attached to this Agreement. 

20.  Collection.  You  promise  to  pay  all  collection  costs, 
including,  without  limitation,  mailgram  charges,  reasonable 
lawyers’ fees and court costs, as permitted by law. 

21.  If  There  are  More  Than  One  of  You.  Each  of  you 
individually,  or  all  of  you  together,  will  be  liable  under  this 
Agreement. We may collect from or sue any one of you, or 
make  any  settlements  or  extensions  with  any  one  of  you, 
without  giving  up  our  rights  against 
the  other.  You 
understand  that  any  one  of  you  can  make  Purchases,  get 
Cash  Advances,  or  perform  Balance  Transfers  under  this 
Agreement which will be binding upon all of you. 

22.  No  Waiver  of  Rights.  If  we  choose  to  waive  any  of 
the terms or conditions of this Agreement on a case-by-case 
basis, such as by not declaring the entire balance due when 
the minimum monthly payment has not been made on time, 
it does not mean that we have waived, or given up, our right 
to  exercise  any  of  our  rights  or  remedies  under  this 
Agreement  in  the  future.  We  are  not  required  to  use  any 
particular  kind  of  demand  or  notice  in  order  to  collect 
amounts due to us under this Agreement. No indulgence or 
acceptance  by  us  of  delinquent  or  partial  payments 
constitute  a  waiver  of  our  rights  or  of  any  provision  of  this 
Agreement.  No  waiver  of  any  existing  default  shall  be 
deemed to waive any subsequent default. 

23.  Changing  Terms.  We  can  change,  add  to,  delete  or 
otherwise modify the terms of this Agreement at any time in 
any  way  permitted  by  law.    We  will  send  you  a  notice  of 
change  at  least  45  days  (or  as  required  by  applicable  law) 
before the effective date of the change. We do not have to 
send  you  an  advance  notice  of  the  change  if  it  favors  you, 
such as by reducing rates, or increasing the maximum credit 
limit.  Except in cases where we are changing terms due to 
the  Minimum  Payment  Due  not  being  received  within  60 
days  of  the  Payment  Due  Date,  you  agree  that the change 
may  cover  all  transactions  made  15  days  after we mail the 
notice.    If  you  do  not  agree  to  the  change,  a  method  for 

 
 
 
   
   
   
rejecting  the  change  and  closing  the  account  will  be 
provided in the Change of Terms Notice.   You agree that if 
you use your card after the effective date of the change, this 
will constitute your agreement with the change.  

24.  Canceling  this  Agreement.  We  have  the  right  to 
cancel  this  Agreement  at  any  time  by  sending  a  notice  to 
any  one  of  you  in  writing.  You  also  have  the  same  right  to 
cancel this Agreement at any time by sending us a notice in 
writing  or  calling  the  BankCard  Center  at  1-800-996-2638 
(for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is 
canceled  by  you  or  us,  your  obligation  is  to  repay  amounts 
you  already  owe  under  this  Agreement.   In either case, the 
account will be closed and you will no longer have access to 
the account. 

25.  Governing Law. This Agreement will be governed by 
the  laws  of  the  State  of  Nebraska,  and,  as  applicable, 
federal law, regardless of where the transactions are made. 
26.  Monitoring/Recording  Telephone  Calls.  Our 
supervisory  personnel  may  listen  to  and  record  your 
telephone  calls  to  us  for  the  purpose  of  monitoring  and 
improving the quality of service you receive. 

27.  Severability.    All  other  provisions  of  this  Agreement 
shall  remain  in  full  force  even  if  one  or  more  provisions  of 
illegal,  void  or 
this  Agreement  are  held 

invalid, 

unenforceable  by  any  rule  or  law,  administrative  order  or 
judicial decision. 

28.  Our Communications with You 
You  agree 

that  we,  any  of  our  affiliates,  agents, 
independent  contractors  or  service  providers  may  monitor 
and record telephone calls regarding your banking services 
to assure the quality of our service or for other reasons. You 
expressly  consent  that  we,  any  of  our  affiliates,  agents, 
independent  contractors  or  service  providers  may  use 
written,  electronic,  or  verbal  means,  or   any  other  medium, 
as  permitted  by  law  and  including,  but  not  limited  to,  mail 
and facsimile, to contact you. Your consent includes, but is 
not 
to,  contact  by  manual  calling  methods, 
prerecorded or artificial voice messages, text messages, e-
mails  and/or  automatic  telephone  dialing  systems.  You 
agree  that  we,  any  of  our  affiliates,  agents,  independent 
contractors  or  service  providers  may  contact  you  by  using 
any e-mail or any telephone number you provide, including a 
telephone  number  for  a  cellular  phone  or  other  wireless 
device,  regardless  of  whether  you  incur  any  charges  as  a 
result.   

limited 

Keep This Notice for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

Your Billing Rights  

What To Do If You Find a Mistake on Your Statement 
If  you  think  there  is  an  error on your statement, write to us 
at:  

Bank of the West 
BankCard Customer Service Department 
PO Box 2319 
Omaha, NE 68172-9793 
In your letter, give us the following information: 
•  Account information: Your name and account 

number. 

•  Dollar amount: The dollar amount of the suspected 

error. 

•  Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your 

statement. 

•  At least 3 business days before an automated 

payment is scheduled, if you want to stop payment 
on the amount you think is wrong. 

You  must  notify  us  of  any  potential  errors  in  writing  [or 
electronically].    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: 

M-114758 
BW-CCAG (REV. 10/14)  

• 

• 

If we made a mistake: You will not have to pay the 
amount in question or any interest or other fees 
related to that amount. 
If we do not believe there was a mistake: You will 
have to pay the amount in question, along with 
applicable interest and fees.  We will send you a 
statement of the amount you owe and the date 
payment is due.  We may then report you as 
delinquent if you do not pay the amount we think 
you owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that you 
still  refuse  to  pay.    If  you  do  so,  we  cannot  report  you  as 
delinquent  without  also  reporting  that  you  are  questioning 
your bill.  We must tell you the name of anyone to whom we 
reported  you  as  delinquent,  and  we  must 
those 
organizations  know  when  the  matter  has  been  settled 
between us. 

let 

If we do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even if your 
bill is correct. 

Your  Rights  If  You  Are  Dissatisfied  With  Your  Credit 

Card Purchases 

If  you  are  dissatisfied  with  the  goods or services that you 
have purchased with your credit card and you have tried in 
good  faith  to  correct  the  problem  with  the  merchant,  you 
may have the right not to pay the remaining amount due on 
the purchase. 

To use this right, all of the following must be true: 
1. The purchase must have been made in your home state 
or within 100 miles of your current mailing address, and the 
purchase  price  must  have  been  more  than  $50.    (Note: 
Neither of these are necessary if your purchase was based 
on  an  advertisement  we  mailed  to  you,  or  if  we  own  the 
company that sold you the goods or services.) 

2. You must have used your credit card for the purchase.  
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still 

dissatisfied with the purchase, contact us in writing at: 

Bank of the West  
BankCard Customer Service Department 
PO Box 2319 
Omaha, NE 68172-9793 

 
 
 
 
 
 
 
 
 
 
 
 
While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount  as  discussed  above. 
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. 

  After  we 

NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
Credit Card Agreement is subject to all claims and defenses 
which the debtor could assert against the seller of goods or 
services  obtained  pursuant  hereto  or  with  the  proceeds 
hereof.  Recovery hereunder by the debtor shall not exceed 
amounts paid by the debtor hereunder. 

M-114758 
BW-CCAG (REV.  04/2015)