F03-M402-7
This Credit Card Agreement (Agreement) explains the terms of your CashBack Platinum MasterCard® credit card account (Account) with RBS Citizens, National 
Association.  This  Agreement  consists  of  this  Agreement,  the  Pricing  Addendum  and  any  other  documents  or  information  provided  to  you  concerning  terms 
applicable to your Account, including any changes that may be made to these documents or information from time to time. The Bank may change terms of this 
Agreement at any time subject to applicable law. Please read these documents carefully and keep them for your records. 

CREDIT CARD AGREEMENT

1. 

2.  

3.  

 Meaning of Words. In this Agreement, you and your mean anyone who (a) 
signs the credit card application, (b) uses, maintains or accepts the Account, 
or (c) otherwise agrees to be obligated under this Agreement. We, our and us 
mean RBS Citizens, N.A., Providence, Rhode Island, the issuer of your credit 
card and the creditor under this Agreement, or any subsequent holder of this 
Agreement  or  any  balances  in  your  Account.  Card  means  each  CashBack 
MasterCard credit card that we issue to you under this Agreement. Purchases 
means  amounts  charged  to  your  Account  when  you  use  your  Card  or  give 
your  Account  number  for  a  transaction.  Purchases  also  includes  all  of  the 
Account Fees set forth in Section 16 and other charges that are charged to 
your Account (except Cash Advance Fees as defined in Section 16(a)(i)), as 
well as Periodic Interest Charges (defined in Section 10(a)). Balance Transfers 
means loans charged to your Account that you obtain as provided in Section 
4(b).  Cash  Advances  means  loans  charged  to  your  Account  as  provided  in 
Section 4(c). Cash Advances also includes Cash Advance Fees.

 Your Promise to Pay. You are legally responsible for paying the entire amount 
owed to us under this Agreement. You represent and warrant that at the time 
of  each  transaction  on  the  Account  that  you  have  the  intent  and  financial 
capacity to repay the amount in full according to the terms of this Agreement. 
Upon request, we may issue additional Cards to any person you authorize to 
use your Account. You and any such person agree to be obligated under this 
Agreement and are responsible for paying all charges made to your Account 
and  any  fees  and  charges  associated  with  such  charges.  You  agree  not  to 
make or allow to be made any transactions which are illegal under any state or 
federal law. We may decline to approve any transaction which we reasonably 
believe  is  a  transaction  which  is  illegal  under  any  state  or  federal  law.  An 
example is casino gambling on the Internet. You agree that the terms of this 
Agreement, as amended from time to time, apply when you use the Account 
or allow any other person to use your Account, and any such person agrees 
to the terms of this Agreement. By (a) using your Card, Account number, or 
Account, (b) authorizing or signing any charge or charge slip on your Account, 
Balance Transfer or Balance Transfer Check (as provided in Section 4(b)), or 
(c) obtaining a Cash Advance (as provided in Section 4(c)), you confirm that 
you agree to the terms of this Agreement. 

 Credit Limit. Your total credit limit (Total Credit Limit) is the combined amount 
of credit for Purchases, Balance Transfers and Cash Advances that we agree 
to extend to you at any one time. You will receive a separate credit limit for 
Cash  Advances  (Cash  Advance  Limit),  which  will  be  a  portion  of  your  Total 
Credit Limit. Your Total Credit Limit and Cash Advance Limit, as well as the 
amount available for Cash Advances (Available Cash), will be shown on your 
Account  statement  (Statement).  We  may  change  the  amount  of  your  Total 
Credit Limit or Cash Advance Limit without prior notice to you. We may also 
limit your ability to make Balance Transfers. You agree not to exceed either 
your Total Credit Limit or Cash Advance Limit.

 The amount shown on your Statement as Available Cash does not include 
any transactions or Account Fees or other charges posted to your Account 
after  the  Statement  Date  (as  defined  in  Section  6)  as  shown  on  that 
Statement  which  could  result  in  either  your  Cash  Advance  Limit  or  Total 
Credit Limit being exceeded. 

 Even if we permit transactions that exceed either your Cash Advance Limit 
or Total Credit Limit, you are responsible for those transactions as provided 
in  this  Agreement.  If  we  refuse  any  such  transaction,  we  may  advise  the 
person attempting the transaction that it has been refused and we are not 
responsible or liable for taking such action.

4.   How You Can Use Your Account.

a)  

 Purchases.  You  can  use  your  Card  to  buy  or  lease  goods  or  services 
wherever  your  Card  is  honored.  Each  of  these  transactions  is  a 
Purchase.  In  addition,  any  credit  life  insurance  charges,  payment 
protection  plan  charges,  the  Account  Fees  set  forth  in  Section  16 
and  other  charges  that  are  charged  to  your  Account  (except  Cash 
Advance  Fees  and  Cash  Equivalent  Transaction  Fees)  are  treated  as 
Purchases  subject  to  the  Interest  Charge  for  Purchases  provided  for 
in  this  Agreement.  We  will  pay  Purchases  you  have  made  up  to  your 
Total Credit Limit. The amount of any Purchase will be charged to your 
Account and will appear on your Statement.

b)    Balance  Transfers.  We  may,  at  our  sole  option,  give  you  special 
checks which you can use to reduce or pay off the balance on credit 
card  accounts  or  other  accounts  you  may  have  with  other  creditors 
(Balance  Transfer  Checks).  In  addition,  we  may  provide  you  with 
Balance Transfer forms that you can complete to request us to issue 
a check on your behalf to reduce or pay off the balance on credit card 
accounts  or  other  accounts  you  may  have  with  other  creditors.  We 
may  also  permit  you  to  execute  Balance  Transfers  by  telephone  or 
other  methods  authorized  by  us.  Balance  Transfers  may  not  be  used 
to make payments on accounts issued or held by us or our affiliates. 
Balance Transfers may be subject to promotional, special or additional 
terms; these terms are part of this Agreement. We will pay the Balance 
Transfer  amounts  you  have  authorized  up  to  your  Total  Credit  Limit, 
unless otherwise limited by the terms of the Balance Transfer. Unless 
a special promotional offer or other offer applies, you will be charged 
a transaction fee for each Balance Transfer (Balance Transfer Fee) in 
the amount set forth in Section 16(a)(iii). The amount of any Balance 
Transfer and Balance Transfer Fee (which is an Interest Charge) will be 
charged to your Account and will appear on your Statement. We do not 
certify or return Balance Transfer Checks.

c)  

 Cash  Advances.  In  this  Agreement,  Cash  Loans,  ATM  Loans, 
Convenience  Checks  and  Cash  Advance  Fees  will  be  referred  to  as 
“Cash Advances.”

(i)    Cash  Advances  and  ATM  Loans.  You  can  use  your  Card  to  obtain 
Cash  Advances  from  any  financial  institution  or  merchant  that 
accepts  your  Card  and  processes  the  transaction.  The  minimum 
amount of any Cash Advance you can obtain in this manner is $20. 
The  total  amount  of  Cash  Advances  you  can  obtain  from  financial 
institutions  and  merchants  in  one  day  is  $3,000  or  the  available 
amount  of  your  Cash  Advance  Limit,  whichever  is  less.  You  can 
also use your Card and personal identification number (PIN) to get 
a  Cash  Advance  from  any  automated  teller  machine  (ATM)  that 
accepts  your  Card.  The  total  amount  of  Cash  Advances  you  can 
obtain  from  ATMs  in  one  day  is  $500  or  the  available  amount  of 
your  Cash  Advance  Limit,  whichever  is  less.  We  or  the  operators 
of  ATMs  may  place  additional  limitations  and  requirements  on 
Cash Advances you may obtain from ATMs. Authorization for Cash 
Advances  over  a  certain  dollar  amount  or  number  may  be  refused 
under certain circumstances even though you have Available Cash. 
These  restrictions  may  be  for  security  or  other  reasons,  including: 
(i) the ATM or other electronic authorization system is not working 
properly; (ii) your Card or PIN has been reported lost or stolen or has 
been canceled; (iii) the financial institution, merchant or ATM does 
not  have  enough  cash;  and  (iv)  circumstances  beyond  our  control, 
such as a power outage.

(ii)   Convenience Checks. From time to time, we may supply you with 
special  checks  which  you  can  use  as  you  would  a  regular  check 
to  pay  for  goods  and  services  or  to  write  yourself  a  loan  (called 
Convenience  Checks).  Convenience  Checks  may  not  be  used  to 
make payment on any account issued or held by us or our affiliates. 
Convenience  Checks  may  be  subject  to  promotional,  special  or 
additional  terms;  these  terms  are  part  of  this  Agreement.  We  will 
pay  the  amounts  you  have  authorized  up  to  your  Cash  Advance 
Limit,  or  to  an  amount  above  your  Cash  Advance  Limit  at  our 
discretion,  unless  otherwise  limited  by  the  terms  or  conditions  of 
the Convenience Check. The amount of any Cash Advance and the 
Cash Advance Fee will be charged to your Account and will appear 
on your Statement. Unless subject to a special promotion, you will 
be charged a transaction fee for each Cash Advance (Cash Advance 
Fee) which is an Interest Charge in the amount set forth in Section 
16(a)(i). Cash Advance Fees are treated as Cash Advances. We do 
not certify or return Convenience Checks.

(iii)   Cash  Equivalent  Transactions.  Cash  Equivalent  Transactions 
include  purchasing  travelers  checks,  savings  bonds,  foreign 
currency,  money  orders,  wire  transfers,  lottery  tickets,  funds 
used  for  wagers  or  gambling,  or  similar  products  or  services  as 
determined by the Bank. We will charge your Account a fee for each 
Cash  Equivalent  Transaction  (Cash  Equivalent  Transaction  Fee) 
in  the  amount  set  forth  in  Section  16(a)(iv).  These  transactions 
are also treated as Cash Advances for all other purposes on your 
Account. Cash Advance Fee Interest Charges for Cash Equivalent 
Transactions will be added to your Cash Advance Balances.

d)    Obtaining  Credit  Without  Your  Card.  You  can  make  Purchases  or 
Balance  Transfers  or  obtain  Cash  Advances  without  using  your  Card 
(such as for Internet, mail order or telephone transactions). If you do 
so, you will be responsible for the amount of each transaction and any 
applicable fees as if you had used your Card.

 CashBack  Platinum  MasterCard  Plan.  You  will  receive  CashBack  points 
(CashBack  Points),  subject  to  the  limitations  or  caps  stated  in  the  Reward 
Summary of your Pricing Addendum or prior Agreement, in an amount equal 
to one percent (1%) of the CashBack Purchases (defined below) you make. 
You  will  also  receive  CashBack  Points  for  CashBack  Purchases  made  by 
persons  using  additional  Cards  which  you  have  authorized  as  provided  in 
Section 2. CashBack Purchases means the total face amount of each sales 
slip  including  sales  tax  and  gratuities  for  Purchases  you  make  using  your 
Card. Fractions of dollar values of CashBack Purchases will be rounded to 
the nearest whole dollar for the purpose of awarding CashBack Points. No 
CashBack  Points  will  be  awarded  on  Balance  Transfers,  Cash  Advances, 
Account Fees or charges, Periodic Interest Charges, returned check charges, 
and life insurance and payment protection plan charges. No CashBack Points 
will  be  awarded  on  the  purchase  of  money  orders,  wire  transfers,  lottery 
tickets, gambling charges, or unauthorized charges to your Account.

 Returned  CashBack  Purchases,  reversed  transactions  or  charge  backs 
will  reduce  your  CashBack  Points  by  the  number  of  CashBack  Points  you 
previously  received  for  the  CashBack  Purchase.  If  the  CashBack  Points 
have been redeemed before a CashBack Purchase is returned, there may 
be  a  negative  CashBack  Points  balance.  CashBack  Points  may  also  be 
deducted from your Account should those CashBack Points be the product 
of a fraudulent or unauthorized transaction.

 Your Statement will show a summary of your CashBack Points. CashBack 
checks  are  awarded  in  $50  increments  up  to  a  monthly  maximum  of 
$300. If you exceed the monthly maximum of $300, all of your remaining 
CashBack  Points  will  roll  over  to  the  following  billing  cycle  and  will  be 
eligible in the following billing cycle for a CashBack check award. You will 
receive one CashBack check for the total amount of your monthly award. 
Each CashBack check will expire three (3) months after its date of issue. 
We  are  under  no  obligation  to  replace  expired,  damaged,  lost,  or  stolen 
CashBack checks. CashBack checks may not be used as payment on any 
account issued or held by us or our affiliates.

 If, for any reason, you request a stop payment on a CashBack check, we 
may,  at  our  sole  option,  charge  you  a  $15  Stop  Payment  Fee.  Additional 
terms,  conditions  and  restrictions  of  the  CashBack  Platinum  MasterCard 
Plan  may  be  provided  on  your  Statement  and  on  other  informational 
materials we may send to you from time to time. The CashBack Platinum 
MasterCard  Plan  is  void  where  prohibited  by  federal,  state  or  local  law. 
CashBack Points must be redeemed within 36 billing cycles after the billing 
cycle  in  which  the  CashBack  Points  were  awarded.  If  you  do  not  make 
enough  CashBack  Purchases  in  a  36-month  period  to  get  50  CashBack 
Points (and thus have your CashBack Points redeemed through the award of 
a CashBack check), following the thirty-sixth billing cycle after each award 
of CashBack Points was made, the CashBack Points awarded in that billing 
cycle will be forfeited and canceled from your Account.

 If  you  previously  had  a  credit  card  account  with  us  which  was  converted 
to this Account, existing Purchases Balances which are transferred to this 
Account  are  not  eligible  for  CashBack  Points.  Only  CashBack  Purchases 
made with your Card are eligible for CashBack Points. We may, at any time, 
add to, amend or change any of the terms, conditions or restrictions of the 
CashBack Platinum MasterCard Plan. The CashBack Platinum MasterCard 
Plan may be discontinued at any time, but CashBack Points of 50 or more 
awarded before the date on which CashBack Purchases no longer qualify 
for CashBack Points will be redeemed in increments of 50. After that date 
and the redemption of your CashBack Points, we reserve the right to cancel, 
without compensation to you, your remaining CashBack Points which total 
less than 50.

 If you close your Account or we for any reason do not renew your Card after 
it expires, or you or we suspend your charging privileges, we reserve the 
right  to  discontinue  awarding  CashBack  Points  to  your  Account.  If  we  or 
you close your Account or suspend your ability to use your Account to make 
Purchases, or we for any reason do not renew your Account when it expires, 
all of your CashBack Points which are less than 50 on the date your Account 
is  closed,  your  charge  privileges  are  suspended  or  your  Account  expires, 
will be forfeited and canceled. In the event that your Account is dormant for 
more than 12 consecutive billing cycles, all of your CashBack Points under 
50 will be forfeited and canceled. Your Account is dormant in a billing cycle 
when the balance is zero on each day during the cycle and no transactions 
are  posted  to  your  Account  on  any  day  during  the  cycle.  If  your  Account 
has an Annual Membership Fee and you pay the Annual Membership Fee, 
that payment will be considered activity and will remove your Account from 
dormant status. 

 If your Account is delinquent, you will thereafter be ineligible to be awarded 
CashBack  Points  on  CashBack  Purchases  you  make.  Effective  at  the 
conclusion  of  your  second  consecutive  delinquent  billing  cycle,  we  will 
no  longer  award  CashBack  checks  to  you  even  if  your  CashBack  Points 
total  exceeds  50.  If  you  make  your  required  payments  and/or  reduce 
your  Account  balance  to  below  your  Total  Credit  Limit  and  we  in  our  sole 
discretion  decide  to  reinstate  your  Account,  you  will  then  be  eligible  to 
obtain CashBack Points and be awarded CashBack checks. If your Account 
is delinquent for two (2) consecutive billing cycles, all of your unredeemed 
CashBack Points will be forfeited and canceled. Your Account is delinquent 
if  you  fail  to  make  a  Minimum  Payment  (defined  in  Section  6)  by  the 
Payment Due Date (defined in Section 6) or you allow your Account balance 
to exceed your Total Credit Limit. CashBack Points have no cash value and 
may not be used to make a payment on your Account.

 Statement.  We  will  send  you  a  Statement  each  month  that  you  have  a 
credit or debit balance of more than $1, when an Interest Charge has been 
imposed, or when there has been activity in your Account, unless we deem 
your  Account  uncollectible  or  delinquency  collection  proceedings  have 
been  instituted  against  you.  Your  Statement  will  show  the  total  amount 
that you owe us (New Balance). It will also tell you the minimum payment 
you  must  make  (Minimum  Payment)  and  tell  you  when  payments  are  due 
(Payment Due Date). Your Statement will also show your Total Credit Limit, 
the available amount of your Total Credit Limit for use on the closing date of 
the billing cycle (Available Credit), Cash Advance Limit and Available Cash 
as of the closing date (Statement Date) of the billing cycle. Your Available 
Credit will be the amount of your Total Credit Limit, minus the sum of: (a) 
the New Balance, (b) any Purchases, Balance Transfers or Cash Advances 
which have been authorized but not yet posted to your Account, and (c) the 
amount of any payments that have not yet cleared as of the closing date of 
your billing cycle.

 Unless you notify us within sixty (60) days of receipt, your Statement will be 
deemed to be correct.

5.  

6.  

7.  

 Making Payments. You must make a payment every month that you owe 
a  balance  on  your  Account.  You  may  pay  the  New  Balance  (which  is  the 
entire  amount  due),  or  a  lesser  amount,  but  you  must  pay  at  least  the 
Minimum Payment. Payments must be mailed to the address shown on your 
Statement.  Payments  must  be  accompanied  by  the  return  portion  of  your 
Statement.  Payments  received  at  the  address  shown  on  your  Statement 
before 5:00 P.M. Eastern Time will be credited by us for that day. Payments 
received  after  this  time  will  be  credited  for  the  next  business  day.  If  your 
payment due date is on a day which we do not receive mailed payments, a 
mailed payment received on the next business day will not be treated as late. 
Payments can be made only at the address provided on the Statement. There 
may be a delay in crediting payments received at any location other than the 
address shown on your Statement until properly received. There may also be 
a delay in crediting payments received if the return portion of your Statement 
does not accompany your payment or if the return portion of your Statement 
is damaged and we are unable to identify your Account number.

 Payments  must  be  made  in  U.S.  Dollars  drawn  on  a  federally-insured 
depository institution located in the U.S. Payments less than or equal to 
the Minimum Amount Due will be applied in any order that the Bank 
shall from time to time choose. Generally, payments less than or equal 
to the Minimum Amount Due are applied to introductory, promotional 
or  low  rate  balances  before  the  Bank  applies  payments  to  balances 
that are subject to standard or higher rates, regardless of when the 
transaction  is  made.  Any  amount  of  your  payments  that  is  greater 
than the Minimum Amount Due will be applied first to balances with 
the highest APR, and then to each successive balance with the next 
highest APR, until the payment is exhausted. You agree to this.

 By sending a check for payment on your Account, you authorize us to initiate 
an Electronic Funds Transfer (EFT) from your bank according to the terms 
of the check. This means we will copy your check before we destroy it and 
use the account information on it to electronically debit your bank account 
for the amount of the check. The debit from your bank account will usually 
occur within 24 hours and will be shown on your  bank  account statement 
from which your check was drawn on. You will not receive your original check 
back. If the EFT cannot be processed for technical reasons, you authorize 
us to process the copy in place of your original check. If the EFT cannot be 
completed because of insufficient funds, we may try to make the transfer up 
to 2 times. If the EFT still cannot be completed because the EFT was derived 
from  your  check,  this  will  be  treated  as  if  your  payment  check  had  been 
returned to the Bank as unpaid.

 Any  conditional  check,  money  order  or  any  other  instrument  tendered 
with  a  restrictive  endorsement  or  as  a  full  satisfaction  of  a  disputed 
debt  must  be  sent  to  our  address  for  billing  error  notices  shown  on  each 
Statement  and  must  conspicuously  state  on  the  face  of  that  payment  or 
in an accompanying letter that it is tendered for this purpose. If you make 
payment in any other way and we accept it, we will not have waived our right 
to collect any amount from you owed under this Agreement.

 In  addition  to  accepting  payments  by  mail,  we  may  permit  you  to  make 
payments by electronic means, including by telephone or Internet, subject 
to  any  terms  we  may  impose  on  these  alternative  methods  of  payment, 
including  charging  a  fee  for  such  service  of  which  we  will  inform  you  at 
that time. If you choose to pay by any of these means, you agree to pay this 
service fee.

8. 

 Minimum Payment. If your New Balance is $30 or less, your Minimum Payment 
will be the New Balance. Otherwise, it will be the greater of (i) $30; or (ii) equal 
to  the  total  billed  Interest  Charges  (excluding  Balance  Transfer  Fees,  Cash 
Advance  Fees,  Foreign  Transaction  Fees,  and  Cash  Equivalent  Transaction 
Fees),  and  any  billed  Late  Payment  Fees  and  1%  of  the  New  Balance.  Any 
amount past due and any amount over your Total Credit Limit or Cash Advance 
Limit may be added to the Minimum Payment. Your Minimum Payment, exclusive 
of Interest Charges, will be rounded to the nearest whole dollar. 

9.  

 The Bank may change your minimum Amount Due including increasing your 
Minimum Amount Due subject to applicable Law. 

 If  you  exercise  your  right  to  cancel  contained  in  a  change-in-terms 
notification, the Bank may increase your Minimum Amount Due. The Bank 
may require a method in which the minimum periodic payment includes a 
percentage of the outstanding balance that is twice the percentage required 
before the increase or a method which incorporates an amortization period 
of not less than 5 years. The Bank may also choose a method that is no less 
beneficial to you than the other two methods previously described.

 Annual Percentage Rate. We calculate the Interest Charge on Purchases, 
Balance  Transfers,  Cash  Advances,  and  Cash  Equivalent  Transactions 
(each, a Transaction Type) using daily periodic rates which are 1/365th of 
the corresponding Annual Percentage Rate. Your daily periodic rate and the 
corresponding Annual Percentage Rate for each Transaction Type (each, a 
Standard Rate) are shown on your Pricing Addendum and Statement. Your 
Standard Rates may be either fixed or variable: your Pricing Addendum and 
Statement  disclose  whether  you  have  fixed  or  variable  Standard  Rates.  If 
your  Standard  Rates  are  variable,  your  Standard  Rates  may  vary  monthly 
and  will  be  reset  on  the  first  day  of  each  billing  cycle  by  adding  an  index 
(Index)  to  a  margin  for  each  Transaction  Type.  The  Index  is  determined 
monthly and it is the three month LIBOR (London Interbank Offered Rate) 
published in the northeastern edition of The Wall Street Journal in its Money 
Rates table on the first day of the preceding month rounded up to the nearest 
one-quarter of a percentage point. If the first day of the preceding month 
is not a business day, the Bank will use the three month LIBOR published 
on the next business day. If more than one three month LIBOR is published 
in  The  Wall  Street  Journal  Money  Rates  table,  we  will  use  the  highest 
three month LIBOR. In the event that The Wall Street Journal ceases to be 
published or ceases or otherwise does not publish the three month LIBOR, 
we  may  use  the  three  month  LIBOR  published  in  any  other  newspaper  of 
general circulation, or we may substitute a similar Index at our sole option. 
Your margins are shown on your Pricing Addendum. If your Standard Rates 
are variable, your Standard Rates will increase if the Index increases. Any 
increase in your Standard Rates will apply to all unpaid Purchases, Balance 
Transfers and Cash Advances (regardless of the transaction date) and will 
increase the Interest Charge and your New Balance and may increase the 
Minimum Payment.

10.    Interest  Charge.  The  Interest  Charge  consists  of  (a)  the  application  of 
certain  periodic  rates  to  a  Daily  Balance  (Periodic  Interest  Charges)  for 
Purchases,  Cash  Advances  and  Balance  Transfers  (including  current 
transactions) and (b) the Cash Advance Fees, Foreign Transaction Fees and 
Balance Transfer Fees (Transaction Fee Interest Charges), as applicable.

a)  

 Periodic Interest Charges. 

(i) 

 In  General.  We  calculate  the  Periodic  Interest  Charge  separately 
for  each  Transaction  Type  (Purchases,  Balance  Transfers,  Cash 
Advances,  and  Cash  Equivalent  Transactions)  by  determining  the 
Daily Balance for each Transaction Type each day, multiplying each 
Daily Balance by the applicable daily periodic rate and adding them 
together.  If  you  have  a  promotional  rate  in  effect,  we  calculate 
the  Periodic  Interest  Charge  for  promotional  rate  transactions 
separately in the same manner for the respective Transaction Type 
to which the promotional rate applies.

(ii)   Determining the Daily Balance. We determine the Daily Balance for 
each  Transaction  Type  by  (i)  taking  the  beginning  balance  each 
day, (ii) adding any new transactions (including any applicable fees 
and  other  charges)  and  other  debits,  (iii)  subtracting  payments 
and other credits, for the Transaction Type, (iv) making any other 
adjustments, and (v) adding accrued Interest Charges for that day. 
This  gives  us  the  Daily  Balance.  This  method  results  in  the  daily 
compounding  of  Interest  Charges.  If  any  day’s  Daily  Balance  is  a 
credit balance, we will treat it as a balance equal to $0.00 when 
we calculate the Daily Balances for the billing cycle.

(iii)   Total  Periodic  Interest  Charges.  We  add  together  the  Periodic 
Interest  Charges  for  each  Transaction  Type  to  determine  total 
Periodic Interest Charges for that billing cycle.

b) 

 Transaction  Fee  Interest  Charges.  We  will  charge  you  the  following 
Transaction  Fee  Interest  Charges  (Transaction  Fees),  as  applicable: 
Balance  Transfer  Fees  on  Balance  Transfers,  Cash  Advance  Fees  on 
Cash  Advances,  and  the  Foreign  Transaction  Fee  on  certain  Cash 
Advances and Purchases. 

 Transaction Fees are Interest Charges.

c)    Total  Interest  Charges.  All  Transaction  Fee  Interest  Charges  charged 
to  your  Account  during  a  billing  cycle  plus  total  Periodic  Interest 
Charges  for  that  billing  cycle  equal  the  total  Interest  Charge  for  that 
billing  cycle.  There  will  be  a  $1.50  minimum  Periodic  INTEREST 
CHARGE  in  any  billing  cycle  in  which  a  Periodic  Interest  Charge  
is  due.  For  the  purpose  of  the  minimum  Periodic  Interest  Charge 
calculation, all Transaction Fee Interest Charges are not included.

d) 

 Periodic Interest Charges on the Statement. On the Statement, you will 
see the “Average Daily Balance” for each Transaction Type. The Average 
Daily Balance for each Transaction Type is determined by adding up all 
of  the  Daily  Balances  for  that  Transaction  Type  and  dividing  the  total 
by  the  number  of  days  in  the  billing  cycle.  In  the  case  of  transactions 
posted  after  the  end  of  the  previous  billing  cycle,  adding  up  all  of  the 
Daily Balances for those Transaction Types and dividing by the number of 
days between the respective transaction dates and the end of the current 
billing cycle. If you multiply the Average Daily Balance for a Transaction 
Type by that Transaction Type’s daily periodic rate, and multiply the result 
by the number of days in the billing cycle, the total will approximate the 
Periodic  Interest  Charges  for  that  Transaction  Type  attributable  to  the 
billing cycle, except for minor variations due to rounding.

 Additionally, if you did not pay the New Balance from a previous billing 
cycle in full, Interest Charges continue to accrue to your unpaid balance 
until  the  unpaid  balance  is  paid  in  full.  This  means  that  you  may  still 
owe Interest Charges, even if you pay the entire New Balance indicated 
on  the  front  of  your  Statement  by  the  next  Statement  closing  date, 
but  did  not  do  so  for  the  previous  month.  Unpaid  Interest  Charges  are 
added to the applicable Transaction Type of your Account. The Periodic 
Interest Charge may be referred to on the Statement and other places as 
“interest” or “finance charge.” 

11.   When the Periodic Interest Charge Begins.

a) 

b) 

 Purchases. Interest Charges for Purchases will begin to accrue on the 
transaction  date  and  will  continue  to  accrue  until  payment  in  full  is 
credited to your account. The transaction date for Purchases is the day 
you made the Purchase as shown on a Statement. You can avoid paying 
Periodic Interest Charges on Purchases in any billing cycle if you always 
pay the entire New Balance on your current Statements by the Payment 
Due  Date  (the  “grace  period”).  In  addition,  if  you  paid  your  previous 
balance in full by the Payment Due Date, you will not be charged any 
Periodic Interest Charges on any portion of new purchases when they 
are first billed on your current monthly statement if you make a payment 
during  the  month  when  first  billed  and  we  allocate  such  payment 
under  the  allocation  scheme  (see  Section  7)  to  your  new  purchases. 
The Payment Due Date will be at least twenty-one (21) days from the 
Statement Date.

 Balance  Transfers  and  Cash  Advances.  There  is  no  grace  period  for 
Balance  Transfers  or  Cash  Advances,  unless  a  special  promotional 
offer applies. You will always pay a Periodic Interest Charge on Balance 
Transfers and Cash Advances from the transaction date to the date you 
pay the amount in full. This will be true even if you pay the entire New 
Balance shown on your Statement by the Payment Due Date for every 
Statement. The transaction date for Balance Transfers is the day you 
made the Balance Transfer as shown on a Statement. The transaction 
date for Cash Advances and related Cash Advance Fees is the day you 
received the Cash Advance.

12.    Credit Balance. If your New Balance is a credit balance, we will refund the 
amount of the credit to you promptly, if you request us to do so in writing, 
or as required by law. If you have a credit balance that is less than $1,000 
or  such  other  amount  as  we  may  determine,  you  may  be  able  to  request 
a  refund  over  the  telephone.  If  you  have  a  credit  balance  at  the  end  of  a 
billing cycle and you have Purchases, Balance Transfers or Cash Advances 
balances, we may transfer the credit balance to the other balances.

13. 

 Cards,  Balance  Transfer  Checks  and  Convenience  Checks.  Any  Cards, 
Balance Transfer Checks or Convenience Checks issued to you belong to us. 
You agree to sign each Card before you use it. You agree to return your Cards, 
Balance Transfer Checks and Convenience Checks to us at any time, if we ask 
you. When you present your Card, we, a merchant, or any other party acting on 
our behalf can retain your Card, without prior notice to you.

14.  Default.

a)  Default Defined.

If any one of the following events happen, you are in Default:

(i) 

(ii) 

(iii) 

(iv) 

 you fail to make a Minimum Payment by the Payment Due Date; 

 you exceed either your Cash Advance Limit or your Total Credit Limit;

 you gave us incomplete or false information to get your Account or 
when we requested additional information from you;

 you  make  or  permit  to  be  made  any  transaction  that  is  illegal 
under any state or federal law;

(v) 

 you break any promise you made to us in this Agreement;

(vi) 

 you become delinquent on one or more accounts you have with us, 
which in our determination adversely affects your ability to meet 
your obligations under this Agreement;

(vii)   you are not paying your debts as they become due or you become 
involved  in  bankruptcy,  insolvency,  foreclosure,  garnishment, 
repossession or similar proceedings;

(viii)   you make a payment that is returned or dishonored for any reason; or

(ix) 

 we  otherwise  reasonably  believe  you  won’t  keep  your  promises 
made in this Agreement or pay what you owe.

b)   Bank Remedies for Default.

(i) 

If you are in Default, we may do any of the following things:

•	

•	

•	

•	

	The	 Bank	 may	 reduce	 your	 Total	 Credit	 Limit	 and/or	 your	
Cash  Credit  Limit,  increase  your  Minimum  Payment,  close 
your Account or suspend or terminate credit privileges. If the 
Bank closes your Account, the Bank may cancel your privilege 
to  make  further  Purchases,  receive  Cash  Advances,  or  write 
Balance Transfer Checks or Convenience Checks.

	If	you	are	in	Default,	you	understand	and	agree	that	a	negative	
report  reflecting  on  your  Account  may  be  submitted  to 
consumer reporting agencies.

	Apply	the	Penalty	Rate	to	all	Purchases,	Balance	Transfers	and	
Cash Advances that occur more than 14 days after we provide 
notice to you. 

	If	 Section	 14(b)(i)	 applies,	 the	 Penalty	 Rate	 will	 apply	
indefinitely.

(ii)   If we do not receive your Minimum Amount Due within 60 days after 

the Payment Due Date for such payment, the Bank may:

•	

	Apply	 the	 Penalty	 Rate	 to	 all	 your	 existing	 balances	 and	 all	
future Purchases, Balance Transfers and Cash Advances.

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-  Within 60 days after the error appeared on your statement.

- 

 At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong.

 You must notify us of any potential errors in writing. You may call us, but if you 
do we are not required to investigate any potential errors and you may have to 
pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. 

 Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we 
received your letter. We will also tell you if we have already corrected 
the error.

2. 

 Within 90 days of receiving your letter, we must either correct the error 
or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

- 

- 

- 

- 

 We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 
delinquent on that amount.

 The  charge  in  question  may  remain  on  your  statement,  and  we  may 
continue to charge you interest on that amount.

 While  you  do  not  have  to  pay  the  amount  in  question,  you  are 
responsible for the remainder of your balance.

 We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

- 

- 

 If we made a mistake: You will not have to pay the amount in question 
or any interest or other fees related to that amount.

 If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the 
amount  in  question,  along  with  applicable  interest  and  fees.  We  will 
send you a statement of the amount you owe and the date payment is 
due. We may then report you as delinquent if you do not pay the amount 
we think you owe.

 If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. If we do not follow all of the rules 
above, you do not have to pay the first $50 of the amount you question even 
if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

 If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount 
due on the purchase.

 To use this right, all of the following must be true:

1. 

 The purchase must have been made in your home state or within 100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have been more than $50. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed to you, or if we 
own the company that sold you the goods or services.)

2. 

 You must have used your credit card for the purchase. Purchases made 
with cash advances from an ATM or with a check that accesses your 
credit card account do not qualify.

3. 

 You must not yet have fully paid for the purchase. 

 If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase,  contact  us  in  writing  at:  Credit  Card  Services  –  Disputes,  P.O. 
Box 7092, Bridgeport, CT 06601-3211.

 While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent.

•	

 If  Section  14  (b)(ii)  applies  and  for  six  consecutive  billing  cycles 
following  the  cycle  in  which  the  Penalty  Rate  is  imposed,  you 
comply  with  all  the  terms  of  your  Agreement,  including,  but  not 
limited to, making all required Minimum Payments by their Payment 
Due Dates, the Bank will reinstate your Annual Percentage Rate on 
Purchases, Balance Transfers and Cash Advances. 

(iii)  Before  we  apply  a  Penalty  Rate,  we  will  provide  notice  to  you  as 
required  by  applicable  law.  The  notice  will  describe  the  Penalty 
Rate, its duration and which outstanding and/or future transaction 
to which the Penalty Rate will apply.

15.    Collection  Costs.  If  you  are  in  Default,  we  may  refer  your  Account  for 
collection  or  take  any  other  actions  permitted  by  this  Agreement  or 
applicable law. If we do, you agree to pay the reasonable fees and expenses 
of  our  collection  agency  or  other  person  collecting  your  Account,  as 
permitted by law. We may also sue you to collect the amount due. If we do 
that, you agree to pay all court costs and expenses of collection, including 
reasonable attorneys’ fees as allowed by law.

16. 

 Account Fees. You agree to pay the following Account Fees, as applicable. 
Each  of  the  Account  Fees,  except  Cash  Advance  Fees,  are  treated  as 
Purchases when charged to your Account. Cash Advance Fees are treated 
as Cash Advances when charged to your Account.

a)  Transaction Fees.

(i) 

 Cash  Advance  Fee.  For  each  Cash  Advance,  we  will  charge  your 
Account a fee (Cash Advance Fee) up to three percent (3%) of the 
U.S. Dollar amount of the Cash Advance, but not less than a minimum 
Cash  Advance  Fee  of  $10.  This  fee  is  an  INTEREST  CHARGE.  We 
charge Cash Advance Fees in addition to Periodic Interest Charges. 

(ii)   Foreign Transaction Fee. When you use your Card in another country 
to obtain cash or to purchase goods or services, we will charge your 
Account a Foreign Transaction Fee equal to the greater of (i) $1.50 
or (ii) our Issuer Fee of two percent (2%) of the U.S. Dollar amount 
of the transaction, plus a Card Association Fee; (a) For Visa® Card 
transactions in another country, we will charge your Account a Card 
Association Fee of one percent (1%) of the U.S. Dollar amount of 
the transaction; (b) for MasterCard transactions in another country 
that are made in U.S. Dollars, we will charge your Account a Card 
Association Fee of eight-tenths of one percent (0.8%) of the U.S. 
Dollar amount of the transaction; or (c) for MasterCard transactions 
in a currency other than U.S. Dollars, we will charge your Account a 
Card Association Fee of one percent (1%). The Foreign Transaction 
Fee is an INTEREST CHARGE. 

(iii)   Balance Transfer Fee. Unless a special promotional offer or other 
offer applies, we will charge your Account a Balance Transfer Fee 
for each Balance Transfer in an amount up to four percent (4%) 
of the U.S. Dollar amount of the Balance Transfer, but not less than 
a minimum Balance Transfer Fee of $10. This fee is an INTEREST 
CHARGE. We charge Balance Transfer Fees in addition to Periodic 
Interest Charges. 

 (iv)   Cash Equivalent Transaction Fee. Cash Equivalent Transactions are 
those transactions performed using a merchant or service provider 
that  Visa  or  MasterCard  identifies  as  a  seller  of  travelers  checks, 
foreign currency, money orders, wire transfers, lottery tickets, funds 
used  for  wagers  or  gambling,  or  similar  products  or  services.  For 
Cash Equivalent Transactions, we will charge your Account a Cash 
Equivalent Transaction Fee equal to the greater of five percent (5%) 
of  the  Cash  Equivalent  amount  or  $20.  This  fee  is  an  INTEREST 
CHARGE. We charge Cash Equivalent Transaction Fees in addition to 
Periodic Interest Charges.

b)  Other Account Fees.

(i) 

 Annual Membership Fee. Please refer to your Pricing Addendum to 
determine if an Annual Membership Fee applies to your Account.

(ii)   Card  Replacement  Fee.  If  we  replace  a  stolen,  lost  or  damaged 
Card, we may charge your Account a Card Replacement Fee of $10. 
We may charge additional fees for expedited or overseas delivery of 
your replacement Card.

(iii)   Late  Payment  Fee.  We  may  charge  your  Account  a  Late  Payment 
Fee if we do not receive your Minimum Payment by the Payment Due 
Date. Your Late Payment Fee is $25 for the first occurrence and up to 
$35 for additional occurrences during the next six billing cycles. In no 
event will your Late Payment Fee exceed the Minimum Payment. No 
late fee will be assessed if your Minimum Payment is less than $30.

(iv)   Copy Fee. We may charge your Account a Copy Fee of $5 for each 
page of photocopy of any sales slip or other record of your Account 
plus $30 per hour for the time it takes our employees or agents to 
make the copies, to the extent permitted by law.

(v) 

 Stop  Payment  Fee.  We  may  charge  your  Account  a  Stop  Payment 
Fee  of  $29  when  you  request  that  we  stop  payment  of  a  check 
you  have  requested  under  Section  4  of  this  Agreement  (including 
Balance Transfer Checks and Convenience Checks). You may make 
a stop payment request by calling us TOLL FREE at 1-800-426-1114 
or by writing to: Credit Card Services – Customer Service, P.O. Box 
7092, Bridgeport, CT 06601. We will accept a stop payment order 
only if we have reasonable time to act on the order before we pay 
the item or become legally obligated to do so.

 Foreign  Transaction/Currency  Conversion.  If  you  use  your  Card  or 
Account in another country to obtain cash or to purchase goods or services 
in  a  currency  other  than  U.S.  Dollars,  MasterCard  or  Visa  (whichever 
applies)  will  convert  the  amount  of  the  charge  in  foreign  currency  into  a 
U.S. Dollar amount. To make this conversion, MasterCard or Visa will use 
the procedure set forth in their respective operating rules. MasterCard and 
Visa may change the procedures from time to time at their discretion. Those 
rules  provide  that  MasterCard  or  Visa  may  make  the  conversion  to  U.S. 
Dollars  using  either  a  (a)  government-mandated  rate  or  (b)  rate  selected 
by  Visa  or  MasterCard  as  applicable,  from  a  range  of  rates  available  in 
wholesale currency markets. In either case, the rate used will be the rate 
in effect on the applicable central processing date Visa or MasterCard as 
applicable, processes the transaction, increased by the Foreign Transaction 
Fee (Issuer Fee and the Card Association Fee set forth in Section 16(a)(ii) as 
applicable). The currency conversion rate in effect on the processing date 
may differ from the rate in effect on the date of your transaction. You agree 
to accept and pay the U.S. Dollar amount converted from a foreign currency 
as provided in this Section. 

 For Visa Card transactions, if a credit is subsequently given for a transaction, 
Visa will use the currency conversion procedure described above. The currency 
conversion rate in effect on the original transaction date may differ from the 
rate  in  effect  on  the  date  the  transaction  credit  was  issued.  We  will  deduct 
three percent (3%) (the Issuer Fee and the Card Association Fee as described 
above in Section 16(a)(ii)) of the transaction from this amount. This means that 
the amount of the credit may be different from the amount that was originally 
charged to your Account for the transaction.

 For  MasterCard  Card  transactions,  if  a  credit  is  subsequently  given  for 
a  transaction,  MasterCard  will  use  the  currency  conversion  procedure 
described  above.  The  currency  conversion  rate  on  the  original  transaction 
date may differ from the rate in effect on the date the transaction credit was 
issued. We will deduct the Card Association Fee and the Issuer Fee described 
above in Section 16(a)(ii) from this amount. This means that the amount of 
the credit may be different from the amount that was originally charged to 
your Account for the transaction.

17. 

18.    Changing Terms of Agreement. We may change terms of this Agreement 
at  any  time.  If  required  by  applicable  law,  we  will  provide  notice  of  the 
change to you before the effective date of the change.

19.    Notices. You promise to notify us promptly of any change in your address. 
We  will  send  Statements  and  notices  to  your  last  known  address.  If  there 
are  two  or  more  persons  obligated  under  this  Agreement,  we  can  send 
Statements and notices to any one of these persons.

20.    Lost or Stolen Cards/Unauthorized Use. You will not be liable for the use 
of  your  Card  that  occurs  after  the  loss,  theft  or  unauthorized  use  of  your 
Card, provided that you notify us of such loss, theft or possible unauthorized 
use within a reasonable period of time after you knew or should have known 
of  such  loss,  theft  or  possible  unauthorized  use.  To  report  loss,  theft  or 
unauthorized use call TOLL FREE 1-800-443-0164. If you fail to notify us 
within a reasonable period of time after such loss, theft or unauthorized use, 
your liability will not exceed $50.

21.    Applicable Law. This Agreement and the use of your Account are governed 
by,  and  interpreted  under,  federal  law  (including  but  not  limited  to  the 
laws, rules and regulations applicable to national banks), the United States 
Arbitration  Act  and,  to  the  extent  not  governed  or  preempted  by  federal 
law,  Connecticut  law,  applicable  to  contracts  made  and  to  be  performed 
in  Connecticut  without  reference  to  principles  of  conflict  of  laws.  The 
legality, enforceability and interpretation of this Agreement and the amounts 
contracted for, charged and received under this Agreement will be governed 
by  such  laws.  We  accept  this  Agreement  in  Connecticut.  Decisions  about 
granting  credit  to  you  and  all  credit  extended  under  this  Agreement  are 
made  by  us  from  Connecticut.  Federal  and  Connecticut  law  also  apply  to 
any  controversy,  claim  or  dispute  arising  from  or  relating  in  any  way  to 
the subject matter of this Agreement or your Account, including statutory, 
equitable  and  tort  claims.  If  any  part  of  this  Agreement  becomes  invalid 
under  applicable  law,  the  remainder  of  this  Agreement  will  remain  valid 
and  in  effect.  If  your  Account  is  subject  to  a  law  setting  maximum  loan, 
rates,  fees  or  charges  which  is  finally  interpreted  so  that  the  charges  on 
your  Account  would  exceed  permissible  limits,  then  any  such  charge  will 
be  reduced  (including  retroactively)  to  permitted  limit  and  any  amounts 
collected from you exceeding those limits will be refunded to you.

22.    Delayed Enforcement. We can delay enforcing any of our rights under this 

Agreement without losing any of them.

23.    Assignment.  We  may  at  any  time,  and  without  notice  to  you,  sell,  assign 
or transfer your Account, any amount due on your Account, this Agreement 
or our rights and obligations under your Account or this Agreement to any 
person  or  entity.  The  person  or  entity  to  whom  we  make  any  such  sale, 
assignment or transfer is entitled to all of our rights and subject to all of our 
obligations under this Agreement, to the extent sold, assigned or transferred.

24.    Cancellation. Even if you are not in Default, we may at any time (a) reduce 
your Total Credit Limit and Cash Advance Limit, (b) close your Account, (c) 
cancel  or  suspend  your  privileges  to  make  further  Purchases  and  Balance 
Transfers  or  obtain  Cash  Advances,  or  (d)  cancel  or  suspend  any  Account 
privileges or benefits. We can also reissue a different Card to you at any time.

 When your Account is closed, you must contact anyone authorized to charge 
transactions  to  your  Account,  such  as  Internet  service  providers,  health 
clubs  or  insurance  companies.  These  transactions  may  continue  to  be 
charged to your Account until you change the billing. Also, if we believe you 
have authorized a transaction or are attempting to use your Account after 
you have requested to close the Account, we may allow the transaction to 
be charged to your Account and you will be responsible for payment under 
the terms of this Agreement.

 If you open a Joint Account, any one of you who is a Joint Account holder 
may close your Account at any time by (i) sending a written request to close 
your  Account  signed  by  that  person  to:  Credit  Card  Services  –  Customer 
Service,  P.O.  Box  7092,  Bridgeport,  CT  06601  or  (ii)  calling  TOLL  FREE 
1-800-426-1114. We may immediately close your Account after we receive 
such  a  request  without  giving  notice  to  the  other  Joint  Account  holders. 
You  agree  you  will  not  hold  us  responsible  for  any  costs,  damages  or 
inconvenience you suffer as a result of the closing of your Account by any 
Joint Account holder. 

 If you or any Joint Account holder closes your Account or if we close your 
Account, you may not make any further Purchases and Balance Transfers 
or obtain Cash Advances. If you use your Account and we either by mistake 
or otherwise extend credit to you after your Account has been closed, you 
remain responsible for paying those charges. If we, you, or a Joint Account 
holder closes your Account, we may, at our option, require you to pay the 
entire  Balance  of  your  Account  at  once  or  permit  you  to  pay  the  Balance 
in  monthly  payments  as  provided  in  this  Agreement  or  otherwise  as  we 
determine.  We  will  not  charge  your  Account  an  Annual  Membership  Fee 
after it is closed. Other Account Fees such as a Late Payment Fee will apply, 
as  applicable.  If  any  Joint  Account  holder  decides  to  close  your  Account 
after the Annual Membership Fee is billed, we will remove the fee from your 
Account  provided  your  Account  is  closed  within  30  days  after  we  mailed 
your Statement on which the fee was charged to your Account. You may pay 
any Balance due on your Account in full at any time.

25.    Questions.  Write  to:  Credit  Card  Services  –  Customer  Service,  P.O.  Box 
7092, Bridgeport, CT 06601 or call TOLL FREE 1-800-426-1114 if you have 
any questions about your Account or this Agreement. A telephone call will 
not preserve your rights under federal law.

26.    Force Majeure. Except as otherwise required by applicable law, we are not 
responsible and will incur no liability to you for any failure, error, malfunction 
or any delay in carrying out any of our obligations under this Agreement if 
any such failure, error, malfunction or delay results from causes beyond our 
reasonable control.

27.    Credit  Reporting  Notice,  Messages  and  Liability.  We  may  report 
information about your Account to credit bureaus. Late payments, missed 
payments,  or  other  defaults  on  your  Account  may  be  reflected  in  your 
credit  report.  You  authorize  us  to  collect  information  about  you  including 
credit  reports  from  consumer  reporting  agencies.  If  you  believe  we  have 
furnished inaccurate or incomplete information about you or your Account 
to  a  credit  reporting  agency,  write  to  us  at:  Disputes,  P.O.  Box  7092, 
Bridgeport,  CT  06601.  Please  include  your  name,  address,  home  phone 
number  and  Account  number,  and  explain  what  you  believe  is  inaccurate 
or  incomplete.  You  agree  to  accept  calls  or  text  messages  from  us,  or 
anyone acting on our behalf, to any number you provide or to any number 
at  which  we  reasonably  believe  that  we  may  contact  you  (including  calls 
and text messages to mobile, cellular and similar devices).  You agree that 
the calls may be monitored and/or recorded or may use autodialing and/or 
recorded messages. You agree that calls concerning your Account are not 
unsolicited. You also agree to receive emails from us to any address where 
we reasonably believe that we may contact you. We are not liable for any 
refusal to honor your Account. This can include a refusal to honor your Card 
or Account or any check written on any transaction on your Account. We are 
not liable for any retention of your Card by us, any other financial institution, 
or any provider of goods or services.

 We  cannot  ensure  against  unauthorized  inquiries  about  or  access  to  your 
Account or Account information. You agree that so long as we are complying 
with applicable law and regulation that we will not be responsible or liable 
for  the  release  of  information  to  anyone  who  has  gained  access  to  your 
Account or Account information.

28.    Your Billing Rights: Keep this Document for Future Use

 This notice tells you about your rights and our responsibilities under 
the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

 If you think there is an error on your statement, write to us at: Credit Card 
Services – Disputes, P.O. Box 7092, Bridgeport, CT 06601-3211

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:

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INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When It Applies 

Paying Interest  

Minimum Interest Charge 

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau 

Annual Fee 
Transaction Fees 
• Balance Transfer 

• Cash Advance 

Foreign Transaction 

Penalty Fees 
• Late Payment 
• Returned Payment 
• Over-the-Credit Limit 

0.00% introductory APR for the first 12 billing cycles from 
date of account opening. After that, your APR will be 
12.99%, 14.99%, 17.99%, or 19.99%. 
This APR will be based on your creditworthiness and will vary 
with the market based on LIBOR.* 
0.00% introductory APR for the first 12 billing cycles from date 
of account opening. After that, your APR will be 12.99%, 
14.99%, 17.99%, or 19.99%. This APR will be based on your 
creditworthiness and will vary with the market based on 
LIBOR.* 
21.99%. This APR will vary with the market based on LIBOR.* 
Up to 29.99%. 
This APR may be applied to your account if you: 
(1) Fail to make the minimum payment by the payment due 
date; 
(2) Exceed your Cash Advance Limit or your Total Credit Limit; 
(3) Provide false information to us; 
(4) Use the Account for an illegal transaction; 
(5) Do not pay debts (including other accounts with us) when 
due; 
(6) Make a payment that is returned or dishonored, or; 
(7) Fail to keep a promise under the agreement or we believe 
you will not keep a promise, including making payments. 
How Long Will the Penalty APR Apply? If your APRs are 
increased due to any default (as described above), the Penalty 
APR will apply indefinitely. 
Your due date is at least 21 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 of each month. You will 
pay interest on Cash Advances, Balance Transfers and 
Convenience Checks from the transaction date. 
If you are charged interest, the charge will be no less than 
$1.50. 
To learn more about factors to consider when applying for 
or using a credit card, visit the website of the Consumer 
Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

FEES 

None 

Either $10 or up to 4% of the amount of each transfer, 
whichever is greater. 

Cash Loans, ATM Loans, and Convenience Checks; Either 
$10 or up to 3% of the amount of each advance, whichever is 
greater.  

Cash Equivalent Transactions; Either $20 or 5% of the amount 
of each advance, whichever is greater. 

Either $1.50 or 3% of the U.S. dollar amount of each 
transaction, whichever is greater. 

Up to $35 
None 
None 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balances (including new purchases).” See Cardholder 
Agreement for more details. 

Loss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if any event included in the description of above 
Penalty Rate applies. 

* Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index 
to a margin of 12.74-19.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 
percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the 
northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest 
one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR 
published on the next business day. 

The information about the costs of the card described in this application is accurate as of December 31, 2013. This information may have 
changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write us at Credit Card Services, P.O. Box 
7092, Bridgeport, Connecticut 06601-7092.