Cardmember Agreement for U.S. Bank National Association Visa® and 
Mastercard® Classic, Gold and Platinum Accounts 

This credit card program is issued and administered by U.S. Bank National Association. This information is accurate as of December 
31, 2021.   PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  
See the Agreement that was provided for your Account and Card for more detailed information, including contact information. 

PRICING INFORMATION: Actual pricing will vary from one Cardmember to another. 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Annual Percentage Rates for Purchases 

This APR will vary with the Market based on 
the Prime Rate. 

Prime + 5.24% to Prime + 21.24% 
(APR) 8.49% to 24.49% 
(DPR) 0.023260% to 0.067096% 

Annual Percentage Rates for Balance Transfers 

This APR will vary with the Market based on 
the Prime Rate. 

Prime + 5.24% to Prime + 23.24% 
(APR) 8.49% to 24.49% 
(DPR) 0.023260% to 0.067096% 

Annual Percentage Rates for Cash Advances 

This APR will vary with the Market based on 
the Prime Rate. 

Prime + 20.24% to Prime + 22.74% 
(APR) 23.49% to 25.99% 
(DPR) 0.064356% to 0.071205% 

This APR will not vary with the Market based 
on the Prime Rate. 

(APR) 20.99% 
(DPR) 0.057507% 

Penalty APR and When It Applies 

There is no Penalty Rate for your Account. 

Paying Interest 

Minimum Interest Charge  

For Credit Card Tips from the    
Consumer Financial Protection Bureau 

Set Up and Maintenance Fees 

•  Annual Fee 
•  Travel Fee 

Transaction Fees   

Your due date is 24-30 days after the close of each billing 
cycle. We will not charge you interest on Purchases if you 
pay your entire balance by the due date each month.  We 
will begin charging interest on Advances and Balance 
Transfers on the transaction date. 
If you are charged interest, then the Minimum Interest 
Charge will be no less than $2.00. 
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. 
NOTICE:  Some  of  these  set-up and maintenance  fees  will 
be assessed before you begin using your Card and based 
on your Credit Limit, your initial available credit will be less.  

You may still reject this Account, provided that you have not 
yet used it or paid a fee after receiving a billing statement. If 
you do reject the Account, you are not responsible for any 
fees or charges. 
$0 to $50 
NONE 

•  Balance Transfer Advance Fee  

•  Convenience Check Advance Fee 

•  Financial Institution Cash Advance 

Fee  

Either $5 to $10 or 3% of the Transfer or Advance amount, 
whichever is greater (maximum fee (No Maximum)).   
Either $5 to $10 or 3% of the Advance amount, whichever 
is greater (maximum fee (No Maximum)). 
Either $5 to $10 or 3% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)). 

 
 
 
 
 
 
 
 
 
 
•  Cash Equivalent Advance Fee 

•  Cash Advance Overdraft Protection 

Fee  

•  Cash Advance ATM Fee 

•  Foreign Transaction Fee 

Either $10 to $20 or 4% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).  
NONE  

Either $5 to $10 or 3% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).   
Up to 3% of each foreign transaction amount. 

Account Fees 

•  Late Fee  
•  Overlimit Fee  
•  Return Payment Fee  

Up to $40 
NONE 
Up to $40 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”.  See the Agreement for more details. 

P. O. Box 6352 
Fargo, ND  58125 

Cardmember Agreement  

This is a cardmember agreement and disclosure statement (“Agreement”) between 
you and the Issuer containing the terms that will apply to your Credit Card Account 
(“Account”)  effective December 31, 2021.  In this Agreement, “you”,  “your" and 
“Cardmember” means each individual accepting a solicitation or applying for the 
Account or otherwise agreeing to be responsible for the Account. “We”, “us”, “our”, 
and “the Issuer” means U.S. Bank National Association, the issuer of the Card and 
your Account creditor. Please read this Agreement carefully and keep it in a safe 
place to make the best use of the credit cards we issue with this Account (“Card”).  
The Agreement becomes effective as soon as you or someone authorized by you 
uses or activates the Card or Account. Even if the Card or Account has not been 
used or activated, the Agreement becomes effective unless you contact us within 
30 days after you receive the Card by calling the number on the back of the Card 
to cancel your Account. This web Agreement does not replace the Agreement that 
is provided with the Account and Card. 

This Agreement contains an arbitration provision (including a class action 
arbitration  waiver).    It  is  important  that  you  read  the  entire  Arbitration 
Provision section carefully. 

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT 

1. Personal Use: You may use the Account only for personal, family or household 
purposes. Federal or state consumer protection laws may not apply if you use the 
Account for other than personal, family or household purposes.  

2. Purchases: You may use the Account to buy, lease or otherwise obtain goods 
or  services  from  participating  merchants  (including  transactions  you  initiate  by 
mail,  telephone  or  over  the  Internet),  or  take  advantage  of  special  promotional 
Balance Transfer offers that post as Purchase transactions (“Purchases”).  We will, 
in  connection  with  any  promotional  offer  we  make  from  time  to  time,  provide 
information on your Card carrier or in additional materials (the “Offer Materials”) 
that explain whether those transactions will post and be treated as a Purchase.  
Even if you have not signed a sales draft or the merchant has not supplied you 
with a written receipt or other proof of sale, you are responsible for all Purchases 
made through your Account, except as expressly limited by applicable law (see 
Your Billing Rights section below for more details).  

3. Advances: “Advances” are transactions  other than Purchases that allow you 
direct access to funds available through your Account.   Advances  may include 
Account  transactions  such  as  cash  advances  you  obtain  directly  from  us, 
automated  teller  machines  (“ATMs”)  or  other  participating  financial  institutions 
(“Cash  Advances”).  ATM  and  financial  institution  Advances  include  phone 
(automated phone system and 24 Hour customer service assisted) and Internet 
transfers. Advances also include some Balance Transfers, Convenience Checks, 
FastCash, Overdraft Protection Advances and Cash Equivalent Advances.  “Cash 
Equivalent  Advances”  include  transactions  to  acquire  or  initiate  wire  transfers, 
travelers  checks,  cashier’s  checks,  money  orders,  foreign  cash  transactions, 

casino  gaming  and  betting  transactions  and  lottery  tickets.    Monthly  Account 
statements  we  issue  may  refer  to  Advances  as  an  Advance,  Cash,  Cash 
Advances, or by the product or device you used to obtain an Advance.  Refer to 
the Account Fees section for details on Advance Transaction Fees. 

4. Advance Limits: Only a portion of the Credit Limit (defined below) is available 
for Advances and that portion may vary from time to time. Although you may have 
credit available under your Account, we may be unable to authorize an Advance. 
You may contact Cardmember Service to learn the portion of  your Credit Limit 
which is available for Advances. 

5. Convenience Checks: From time to time, we may supply Convenience Checks 
for use by the person(s) or drawer named on those checks. “Convenience Checks” 
are drafts  that look like other checks,  but are drawn on credit available in  your 
Account.  Convenience Checks may not be offered for all Account types.  We will, 
in connection with any Convenience Check we provide, include Offer Materials that 
will  explain  whether  the  Convenience  Check  will  post  and  be  treated  as  an 
Advance or as a Balance Transfer. Convenience Checks must be written in U.S. 
Dollars. We may return a Convenience Check unpaid if:  
(a) the credit available under your Credit Limit is less than the Convenience Check 
amount;  
(b) the Account is in Default; or  
(c) the Convenience Check is improperly endorsed or otherwise fails to conform to 
our regularly accepted standards for check payment.  
Convenience Checks may not be used to pay your Account or any obligation you 
owe us or our affiliates.   

6. Paying and Stopping Payment on Convenience Checks: You must write to us 
or call to request that payment be stopped on a Convenience Check. You must 
call us  promptly with an oral stop payment request and then provide  us with a 
written  confirmation  of  the  stop  payment  request  within  14  calendar  days.  Any 
written stop payment request we receive will remain in effect for 6 months, unless 
you  renew  the  request  in  writing  before  the  end  of  that  time.  We  may  pay 
Convenience Checks more than 6 months old. There may be circumstances under 
which  a  Convenience  Check  must  be  paid,  even  if  we  have  received  a  stop 
payment request from you. We will not be liable to you if we do not honor your stop 
payment request under those circumstances. If it is determined that a Convenience 
Check  should  have  been  paid,  but  was  not,  we  will  not  be  liable  for  any 
consequential, punitive or incidental damages if we acted in good faith. Our only 
obligation  under  those  circumstances  will  be  to  pay  the  designated  payee  the 
amount of the Convenience Check and cancel any charges assessed against your 
Account as a result of any wrongful failure to honor the Convenience Check.  

7. Balance Transfers: We may permit you to transfer balances and obligations that 
you owe other companies or financial institutions to your Account, subject to the 
terms  and  conditions  disclosed  in  the  Offer  Materials  (“Balance  Transfers”). 
Balance Transfers will post to your Account and be separately reflected on monthly 
Account statements as a Balance Transfer, or, depending upon the offer, may post 
to the Account and be treated as a Purchase or an Advance.  We will, in connection 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
with any Balance Transfer offer we make, provide you with materials that explain 
how the Balance Transfer will post to your Account and be reflected on monthly 
Account  statements.  You  may  not  request  Balance  Transfers  on  existing 
obligations you owe us or our affiliates. If you request a Balance Transfer that 
would cause your Account to exceed its Credit Limit, we may, at our option,  (a) 
post the entire Balance Transfer requested to your Account; (b) post only a portion 
of  the  Balance  Transfer  requested  to  your  Account  up  to  the  amount  of  credit 
available under the Credit Limit; or (c) refuse to process the entire amount of the 
Balance Transfer requested.   

8. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you 
have specifically requested and have  obtained an  Overdraft Protection Plan by 
linking  the  Account  with  a  designated  U.S.  Bank  personal  checking  account 
("checking account").  An "Overdraft Protection Advance" is an advance of funds 
to  your  designated  checking  account  from  this  Account  that  will  help  cover 
overdrafts on your checking account.  Any Overdraft Protection Advance will post 
and be charged interest as an Advance drawn on the Account.  Please refer to the 
U.S.  Bank  Deposit  Account  Agreement  (entitled,  "Your  Deposit  Account 
Agreement") for full Overdraft Protection  Plan terms and the Consumer  Pricing 
Information Brochure for fees that apply for Overdraft Protection Advances.  We 
may cancel Overdraft Protection privileges under the Account, even if the Account 
remains open for other purposes. 

Note: For Young Adult Accounts, the young adult’s name and cosigner’s name 
must both be named on the linked checking account in order to have Overdraft 
Protection. 

INTEREST CHARGES AND ACCOUNT FEES 

9.  Account  INTEREST  CHARGES:  INTEREST  CHARGES  reflect  the  cost  of 
credit. Your total INTEREST CHARGE for any billing cycle will equal the amount 
of any (a) periodic rate INTEREST CHARGES (sometimes referred to as "interest" 
in this Agreement and on monthly Account statements); (b) Advance Transaction 
Fees;  and  (c)  any  other  transaction  fees  that  are  considered  INTEREST 
CHARGES.  

10.  Interest  Rate:    In  this  Agreement,  we  have  abbreviated  the  terms  “daily 
periodic  rate”  as  DPR,  “average  daily  balance”  as  ADB,  and  “ANNUAL 
PERCENTAGE RATE” as APR.  
(a) Standard Interest Rates- Rate for "Purchases" and "Balance Transfers": The 
DPR  for  transactions  posting  as  Purchases  and  Balance  Transfers  is  equal  to 
1/365th  of  its  corresponding  APR.  Rate  for  "Advances":  The  DPR  and 
corresponding APR for transactions posting to the Account as Advances is equal 
to 1/365th of its corresponding APR.  

(b)  Your  Variable  APRs  are  calculated  by  adding  a  margin  to  the  Index.  Your 
Variable  DPR  is  equal  to  1/365th  of  the  corresponding  APR.  Your  DPR  and 
corresponding APR may increase or decrease from time to time according to the 
movements up or down of the Index, which is the Prime Rate published in the 
"Money Rates" section of the Midwest Edition of The Wall Street Journal on the 
last  publication  day  before  the  date  on  which  the  billing  cycle  closed  (in  other 
words, the "statement date"). We reserve the right to choose a comparable new 
index if The Wall Street Journal ceases to publish a Prime Rate. The margin is the 
percentage we add to the Index to calculate the APR. The current applied Index 
value for your Account is 3.25%. Any variable rate adjustment based on a change 
to your margin will be effective as of the first day of the current billing cycle, and 
will apply to all new  Account  balances and transactions subject to that variable 
rate. Any variable rate adjustment based on a change to your Index will be effective 
as  of  the  first  day  of  the  current  billing  cycle,  and  will  apply  to  all  new  and 
outstanding Account balances and transactions subject to that variable rate. An 
increase or decrease to the Index or margin will apply to Purchase, Advance, and 
Balance  Transfer  balances  and  will  result  in  an  increase  or  decrease  in  the 
INTEREST CHARGE on the Account, an increase or decrease to your Minimum 
Payment, and an increase or decrease to your New Balance.   

Introductory  and  Promotional  Rates:  We  may,  at  our  option,  offer  you  for  a 
limited  time  introductory  or  promotional  interest  rates  for  all  or  part  of  new 
Purchase, Advance, or Balance Transfers posted to your Account. We will tell you 
in the Offer Materials the introductory or promotional rate and the period of time 
during which that rate will be in effect and any conditions or requirements of the 
offer. Unless the Offer Materials state otherwise, an introductory or promotional 
rate  will  remain  in  effect  until  the  last  day  of  the  billing  cycle  in  which  the 
introductory or promotional rate expires.  Any introductory or promotional rate that 
applies to new or outstanding Account balances will increase to the standard rate 

that  would  otherwise  apply,  or,  when  appropriate  under  the  terms  of  this 
Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).    

11. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate: 
We calculate the periodic rate or interest portion of the INTEREST CHARGE by 
multiplying  the  applicable  DPR  by  the  ADB  (including  new  transactions)  of  the 
Purchase, Advance and Balance Transfer categories subject to interest, and then 
adding together the resulting interest from each category. We determine the ADB 
separately for the Purchases, Advances and Balance Transfer categories. To get 
the ADB in each category, we add together the daily balances in those categories 
for the billing cycle and divide the result by the number of days in the billing cycle. 
We  determine  the  daily  balances  each  day  by  taking  the  beginning  balance  of 
those  Account  categories  (including  any  billed  but  unpaid  interest,  fees,  credit 
insurance and other charges), adding any new interest, fees, and charges, and 
subtracting any payments or credits applied against your Account balances that 
day.  We  add  a  Purchase,  Advance  or  Balance  Transfer  to  the  appropriate 
balances for those categories on the later of the transaction date or the first day of 
the  statement  period.  Billed  but  unpaid  interest  on  Purchases,  Advances  and 
Balance Transfers is added to the appropriate balances for those categories each 
month on the statement date. Billed but unpaid Advance  Transaction Fees  are 
added to the Advance balance of your Account on the date they are charged to 
your Account.  Any billed but unpaid fees on Purchases, credit insurance charges, 
and other charges are added to the Purchase balance of the Account on the date 
they are charged to the Account. Billed but unpaid fees on Balance Transfers are 
added to the Balance Transfer balance of the Account on the date they are charged 
to the Account. In other words, billed and unpaid interest, fees, and charges will 
be included in the ADB of your Account that accrues interest and will reduce the 
amount of credit available to you. To the extent credit insurance charges, overlimit 
fees,  Annual  Fees,  and/or  Travel  Membership  Fees  may  be  applied  to  your 
Account,  such  charges  and/or  fees  are  not  included  in  the  ADB  calculation  for 
Purchases  until  the  first  day  of  the  billing  cycle  following  the  date  the  credit 
insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees 
(as applicable) are charged to the Account. Prior statement balances subject to an 
interest-free period that have been paid on or before the payment due date in the 
current  billing  cycle  are  not  included  in  the  ADB  calculation.  There  may  be  a 
minimum INTEREST  CHARGE  Fee in  any billing cycle  in which an INTEREST 
CHARGE  is  due.    As  described  above,  this  Agreement  provides  for  the 
compounding of interest on your Account. 

12. Paying Interest: You have a 24 to 30 day interest-free period for Purchases 
provided you have paid your previous balance in full by the Payment Due  Date 
shown on your monthly Account statement. In order to avoid additional INTEREST 
CHARGES on Purchases, you must pay your new balance in full by the Payment 
Due  Date  shown  on  the  front  of  your  monthly  Account  statement.  There  is  no 
interest-free  period  for  transactions  that  post  to  the  Account  as  Advances  or 
Balance Transfers except as provided in any Offer Materials. Those transactions 
are subject to interest from the date they post to the Account until the date they 
are paid in full.  

13.  Advance  Account  Fees:  You  agree  to  pay  the  following  Account  fees  and 
INTEREST CHARGES: 

(a) We may add an Advance Transaction Fee INTEREST CHARGE to the 
Advance balance of the Account for each Advance you obtain during a billing 
cycle  in  addition  to  the  interest  that  accrues  on  Advances.  The  Advance 
Transaction Fee imposed will equal the greater of either a percentage of each 
Advance  or  the  minimum  dollar  amount,  subject  to  the  maximum  dollar 
amount.   
(b)  We  may  add  a  Balance  Transfer  Fee  INTEREST  CHARGE  to  the         
Purchase  balance  of  the  Account  except  where  Offer  Materials  specify 
otherwise.      
(c)  We  may  add  a  Convenience  Check  Fee  INTEREST  CHARGE  to  the 
Advance  balance  of  your  Account  except  where  Offer  Materials  specify 
otherwise. 
(d)    We  may  add  an  Overdraft  Fee  INTEREST  CHARGE  to  the  Advance 
balance of your Account, except where Offer Materials specify otherwise. 

14. Account Fees: 

(a)  We  may  add  a  Promotional  Discount  Transaction  Fee  INTEREST 
CHARGE for each Promotional Discount you receive during the billing cycle, 
as outlined in any Offer Materials 
(b) Annual Membership Fee. Each year, the Account may be subject to your 
payment in advance of an Annual Membership Fee  INTEREST CHARGE 
which will compensate us for maintaining and servicing the Account for the 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
following  year.  This  fee  will  be  charged  to  the  Purchase  balance  of  your 
Account. 
(c) We may add a Late Payment Fee to the Purchase balance of the Account 
if your Minimum Payment is not received by the Payment Due Date shown 
on the monthly Account statement.   
(d) There is no Overlimit Fee on your Account.         
(e) We may add a Returned Payment Fee to the Purchase balance of the 
Account if any payment on the Account is not honored or if we must return it 
to you because it cannot be processed. A check that is returned unpaid will 
be sent for collection.  
(f) We will add a Duplicate Documentation Fee to the Purchase balance of 
the Account for each copy of a monthly statement, sales slip, refund slip, or 
Advance slip that you request. There will  be no  charge for documentation 
requests made in connection with  a billing error notice, if our investigation 
indicates a billing error occurred. 
(g) We may add a service charge to the Purchase balance of the Account if 
you  call  us  to  make  a  payment  on  your  Account  and  are  assisted  by  a 
Cardmember  Service  Representative  to  make  the  payment.  You  will  be 
provided  with  confirmation  of  the  service  charge  before  the  payment 
transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of   your 
Account  if  you  request  a  stop  payment  on  a  Convenience  Check.    (See 
"Paying and Stopping Payment on Convenience Checks" section above for 
more details.) 

Under no circumstances will your Late Payment Fee or Returned Payment Fee 
ever be greater than your Minimum Payment due and under no circumstance will 
your Overlimit Fee ever be greater than the amount your balance is overlimit. 

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

15. BalanceShield or Insurance Charges: Your purchase of BalanceShield debt 
cancellation or credit life insurance and disability is optional.  Whether or not you 
purchase  BalanceShield  or  credit  insurance  will  not  affect  your  application  for 
credit or the terms of any existing credit agreement you have with us.  If you elect 
to purchase BalanceShield or credit insurance and are eligible to participate, the 
monthly program fee or premium (at the rate disclosed to you) will be added to the 
Purchase  balance  as  of  the  closing  date  of  each  billing  cycle  based  upon  the 
Account balance (including accrued INTEREST CHARGES).  The terms of your 
BalanceShield  coverage  will  be  summarized 
the  BalanceShield  Debt 
Cancellation Program Agreement, which will be provided to you upon enrollment. 
For credit insurance, the terms of your insurance coverage will be summarized in 
the Certificate of Insurance, which will be provided to you. These features are not 
offered for Secured Accounts. 

in 

16.  Credit  Limit:  The  Account  Credit  Limit  is  the  maximum  amount  of  credit 
available  under  the  Account  at  any  time.  Under  certain  circumstances,  your 
Account may exceed the Credit Limit and you will be responsible for the full amount 
of  the  Credit  Limit  as  well  as  any  amounts  owed  that  exceed  the  Credit  Limit, 
including  fees  and  INTEREST  CHARGES.    You  may  not  request  or  obtain 
additional  Advances  or  Balance  Transfers  once  you  have  reached  your  Credit 
Limit.  The initial Credit Limit is shown on the Card carrier and will also appear on 
your monthly Account statements.  We reserve the right to review your Account at 
any time and increase or decrease your Credit Limit.  Cosigner consent is required 
for Credit Limit increases. You may not increase your Credit Limit by carrying credit 
balances over the Credit Limit we make available to you.    (Also see the “Advance 
Limits” section above for more information about limits on Cash Advance, Cash 
Equivalent Advance and telephone transfer transactions). 

17.  Payment:  You  must  pay  us  in  U.S.  Dollars  with  checks  or  similar  payment 
instruments drawn on a financial institution located in the United States.  We will 
also  accept  payment  in  U.S.  Dollars  via  the  Internet  or  phone  or  previously 
established  automatic  payment  transaction.    We  may,  at  our  option,  choose  to 
accept a payment drawn on a foreign financial institution.   However, you will be 
charged and agree to pay any collection fees required in connection with such a 
transaction.  The date you mail a payment is different than the date we receive that 
payment.  For purposes of this Agreement, the payment date is the day we receive 
your  check  or  money  order  at  the  address  specified  on  your  monthly  Account 
statement or the day we receive your electronic or phone payment.  If you mail 
your payment without a payment coupon or to an incorrect address, it may result 
in a delayed credit to your Account, additional INTEREST CHARGES, fees, and 
possible suspension of your Account.  

18. Minimum Payment: Each month, you must pay at least the Minimum Payment 
and any past due Minimum Payment(s) by the Payment Due Date shown on your 
monthly Account statement. You may, at your option, pay more than the Minimum 
Payment or pay the New Balance (as stated on your monthly Account statement) 
in full to reduce or avoid the INTEREST CHARGE for the Account. Your Minimum 
Payment  will  be  calculated  as  follows:    first  we  determine  the  “Base  Minimum 
Payment,” which is the greater of $30.00 or 1% of your New Balance not including 
items (1) and (2) below, which, if not a whole dollar amount, will be rounded to the 
next highest dollar.  To the Base Minimum Payment, we may add one or more of 
the following items, as incurred on your Account: (1) any late, annual and/or any 
other Account related fee, (2) the INTEREST CHARGE, and (3) if your Account is 
over the Credit Limit, some or all of the balance amount over your Credit Limit. If 
the resulting  Minimum Payment is greater than  $30.00, the total, if not a whole 
dollar amount, is then rounded to the next highest dollar not to exceed your New 
Balance. Any Minimum Payment or additional amount you pay each month will not 
prepay any future Minimum Payments required, or change your obligation to make 
at least a Minimum Payment by the Payment Due Date. Any statement credit that 
results from a promotional offer or rewards redemption, if applicable, will only be 
applied  to  the  Account  balance  and  not  satisfy  any  portion  of  the  Minimum 
Payment requirements for this Account. 

19. Payment Application:  If we cannot collect on your check or other payment item 
you send us to pay on your Account, we may post as an Advance transaction an 
amount equal to the credit previously given to you for such check or payment item 
and we may charge interest on this amount from the date your Account originally 
was credited for the payment. After a payment has been made,  we reserve the 
right to withhold available credit in the amount of the payment for 7 business days. 
Any credit available before the payment is made will continue to be available for 
use during this time. 

20.  Skip  Payment  Option:  We  may,  at  our  option,  occasionally  offer  you  an 
opportunity to skip your obligation to make the Minimum Payment due. You may 
not skip payments unless we make this offer to you.  If we offer you an opportunity 
to skip a payment more than once in a 12 month period, you will not be permitted 
to  skip  payments  required  in  consecutive  months.  You  cannot  accept  a  skip 
payment  offer  if  your  Account  is  delinquent,  or  is  in  Default.  When  you  take 
advantage of a skip payment offer, the interest will continue to accrue on the entire 
unpaid balance of your Account.  

21. Change of Address: Your monthly Account statements and notices about your 
Account  will  be  sent  to  the  address  you  provided  in  your  application  or  your 
response to our Account solicitation. To change your address, you must call or 
write to us. We must receive this information 21 days before the date a billing cycle 
closes to provide your monthly Account statement at your new address.   If you 
have an  address change within  45 days of the expiration date of your  Card(s), 
please contact Cardmember Service with your new address so your new Card(s) 
can be mailed to your new address.  We may also  update your address in our 
records without a request from you if we receive an address change notice from 
the U.S. Postal Service or if we receive updated address information from our mail 
services vendor. 

22.  Authorized  Users:  You  agree  not  to  allow  access  to  your  Card,  Account 
number, Convenience Checks, or personal identification number (PIN) to anyone 
else to use your Account, except by  asking us to issue a card to grant Account 
access to another person.  If you allow access to your Card or Account information, 
you  will  be  liable  for  any  charges  made  by  that  person,  unless  and  except  as 
expressly required by applicable law.  You agree to be responsible for all Account 
transactions made by a Cardmember, or anyone who you have authorized by (a) 
asking us to issue a Card to grant Account access to another person; (b) lending 
your Card to or allowing Account access by another person; or (c) any other way 
in which you would be legally considered to have allowed another person to use 
your Account or to be legally prevented from denying that you did so.  Be cautious 
when allowing another person to become an authorized user of your Account; once 
you allow authority to any authorized user you cannot limit that authority unless the 
Account is closed to future transactions.  You, as a primary or joint Cardmember 
must call or write us with any request to cancel and remove a person’s authority. 
We will not provide any  Account information to anyone other than you and any 
Authorized Users.  Authorized Users have no right to make any Account changes. 

23. Lost or Stolen Card or Other Information: You must notify us immediately by 
telephone or in writing if your Card, Convenience Checks, or PIN is lost or stolen 
or there is possible unauthorized use of your Card, Account, or PIN. You will not 
be liable for unauthorized use of  your Account.  If this happens, we will ask you 
and  all  other  persons  given  Account  access  to  return  all  Cards  and  unused 
Convenience Checks to  us. In addition, we have the right to close your Account 

 
 
            
 
 
 
 
 
 
 
 
 
 
 
and open a new Account. If we do so, new Cards will be issued.  If requested, we 
may issue a new PIN and new Convenience Checks for your new Account. 

Mastercard or PLUS System  network  using such network’s respective currency 
conversion rules then in effect (as explained above).  

24.  Using Your Card for International Transactions:  
Visa: You may use your Card for retail Purchases at foreign merchants and for 
cash withdrawals from foreign ATMs. Some merchant and ATM transactions, even 
if you and/or the merchant or ATM are located in the United States, are considered 
foreign  transactions  under  the  applicable  rules,  in  which  case  we  will  add  the 
Foreign  Transaction  Fee  INTEREST  CHARGE  described  in  the  addendum  to 
those  transactions.  We  do  not  control  how  these  merchants,  ATMs,  and 
transactions are classified for this purpose. The exchange rate in effect when the 
transaction  is  processed  may  differ  from  the  rate  in  effect  on  the  date  of  the 
transaction or the date of the posting of the transaction to your Account.  

If you use your Card at a merchant or an ATM that bears the Visa logo (and no 
PLUS System  logo), the transaction will be  processed through  the Visa  system 
and will be converted to U.S. Dollars according to the applicable rules established 
by Visa from time to time. Currently, the currency conversion rate used by Visa to 
determine the foreign currency transaction amount in U.S. Dollars is determined 
by  multiplying  the  amount  of  the  foreign  currency  transaction  times  (a)  a  rate 
selected by Visa from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate Visa 
itself receives, or (b) the  government-mandated rate in effect for  the applicable 
central processing date. If your foreign transaction is in foreign currency prior to 
being processed by Visa, we will add a Foreign  

Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction 
or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted 
to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction 
Fee INTEREST CHARGE of up  to 3.00% of  the Purchase transaction or up to 
3.00% of the ATM transaction. If you use your Card at an ATM that bears only the 
PLUS System logo (and no Visa logo), the transaction will be processed through 
the PLUS  System  and will be converted into U.S. Dollars  at the  exchange rate 
established,  from  time  to  time,  by  the  operator  of  that  ATM.  To  the  converted 
transaction we will not add a Foreign Transaction Fee  INTEREST CHARGE.  If 
you use your Card at an ATM that bears both the Visa and PLUS System logos, 
the ATM operator will determine whether to send your transaction over the Visa or 
PLUS System network using such network's respective currency conversion rules 
then in effect (as explained above).       

Mastercard:  You may use your Card for retail Purchases at foreign merchants and 
for cash withdrawals from foreign ATMs that bear either the PLUS System or the 
Mastercard logo.  Some merchant and ATM transactions, even if you and/or the 
merchant  or  ATM  are  located  in  the  United  States,  are  considered  foreign 
transactions under the applicable Mastercard rules, in which case we will add the 
Foreign Transaction Fee INTEREST CHARGE described  in this section to those 
transactions.  We do not control how these merchants,  ATMs, and transactions 
are  classified  for  this  purpose.    The  currency  conversion  rate  in  effect  on  the 
processing date may differ from the rate that would have been used on the date of 
the transaction or the date of the posting of the transaction to your Account.   

If you effect a transaction at a merchant or an ATM that bears the Mastercard logo 
(and no PLUS System logo) with your Mastercard Card in a currency other than 
U.S. Dollars, Mastercard International Incorporated will convert the transaction into 
a U.S. Dollar amount using its currency conversion procedure, which is disclosed 
to institutions that issue Mastercard cards. Currently, the currency conversion rate 
used  by  Mastercard  International  to  determine  the  foreign  currency  transaction 
amount  in  U.S.  Dollars  for  such  transactions  is  generally  either  a  government 
mandated rate or a wholesale rate determined by Mastercard International for the 
processing cycle in which the transaction is processed.  If your foreign transaction 
is in foreign currency prior to being processed by Mastercard, we will add a Foreign 
Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction 
or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted 
to  U.S.  Dollars  prior  to  being  processed  by  Mastercard,  we  will  add  a  Foreign 
Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction 
or up to 3.00% of the ATM transaction. 

If you use your Card at an ATM that bears only the PLUS System logo (and no 
Mastercard logo), the transaction will be processed through the PLUS System and 
will be converted into U.S. Dollars at the exchange rate established, from time to 
time, by  the operator of that ATM.   To  the converted transaction we will add a 
Foreign Transaction Fee INTEREST CHARGE. 

If you use your Card at an ATM that bears both the Mastercard and PLUS System 
logos, the ATM operator will determine whether to send your transaction over the 

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

25.  Responsibility  to  Pay:  You  agree  to  pay  us  for  all  Purchases,  Advances, 
Balance Transfers, INTEREST CHARGES, Account Fees and charges, any other 
transaction  charges  as provided in this Agreement and, to the extent permitted 
under applicable law, attorneys fees and collection costs we incur enforcing this 
Agreement against you. This is the case even if your Account is only used by one 
of you, or is used by someone authorized by only one of you. If there is more than 
one Cardmember, each of you is responsible, together and separately, for the full 
amount  owed  on  your  Account.  Your  obligation  to  pay  the  Account  balance 
continues even though an agreement, divorce decree, court judgment, or other 
document to which we are not a party may direct another person responsible to 
pay the Account.   

26. Intent to Repay: Every time you use your Account, you represent to us that you 
intend to and have the ability to repay your Account obligations. We rely on this 
representation every time you use your Account. 

27.  Settling  a  Disputed  Balance;  Payment  in  Full:  If  you  want  to  settle  a 
disagreement with us about any amount you owe by sending a check on which 
you have written "Payment in Full" or similar language, you must send us a written 
explanation of the disagreement or dispute and any such check to Cardmember 
Service. (See Your Billing Rights section below for complete details.) This address 
is different than the address you use to make Account payments. Writing “Payment 
in Full” or similar language on the check will not be enough to resolve the dispute. 
If we collect a check or any payment instrument marked “Payment in Full” that you 
sent to an address other than the one  provided in  the Cardmember Agreement 
issued  with  your  Card  (such  as  the  address  at  which  you  normally  make 
payments), we will not have waived our right to collect any remaining amount you 
owe us under the terms of your Account. 

28. Default: You and your Account will be in Default if:  

(a)  we  do  not  receive  the  Minimum  Payment  by  the  Payment  Due  Date 
disclosed on the monthly Account statement; 
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Cardmember; 
(d) you become insolvent, assign any property to your creditors, or go into 
bankruptcy or receivership; 
(e) you have made false statements on your Account application or in the 
maintenance of your Account; 
(f) we have any reason to believe that  your Account is in danger of, or is 
being used for fraud; 
(g)  you  are  a  married  community  property  state  resident  and  you  or  we 
receive a written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the 
risk that you will not live up to your payment and other obligations under this 
Agreement; or 
(j) this is a joint Account and one of you notifies us that he or she wants the 
Account closed or will no longer be liable on the Account. 

 You and your Account may also be in Default if you make transactions which go 
over your Credit Limit. 

29. Illegal Purchases: You agree that you will not use or permit an Authorized User 
to use the Card or Account for any unlawful purpose, such as funding any account 
that is set up to facilitate online gambling.  

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

30. Ownership of this Account: Your Card and any other Account access devices 
that we supply to you are our property and must be immediately returned to us or 
our designated agent or otherwise destroyed or surrendered as we instruct.  

31. Changes to your Account: Account and Agreement terms are not guaranteed 
for any period of time; we may change the terms  of your  Agreement, including 
APRs  and  fees,  in  accordance  with  applicable  law  and  the  terms  of  your 
Agreement.  Your  transactional  experience  with  us  may  also  cause  a  change, 
including an increase in the margin that is added to the Index, an increase in fees, 
or a decrease in the Credit Limit. Factors considered in determining the increased 
rate or Credit Limit decrease may include your general credit  profile, existence, 
seriousness and timing of the defaults under any agreement that you have with us, 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
and other indications of the Account usage and performance.  We will give you 
notice of any such change in the manner required by law. Revised Account terms 
apply as of the effective date communicated in our notice to you unless the notice 
provides you with the right to opt out, and you do opt out, before the effective date.   

32. Cancellation of Your Account: We may cancel your Account or suspend your 
ability to obtain Account credit immediately, without notice, if  your Account is in 
Default. Even if you are not in Default, we may cancel your Account by providing 
notice to you. You may cancel your Account by notifying us by telephone or in 
writing.  If you have a secured Account, your termination request must be made in 
writing.  If this is a joint Account, we will honor a request by either of you to cancel 
the Account. After the Account is cancelled, you will not be able to obtain additional 
Account  credit,  except  that,  (a)  the  Account  may  continue  to  receive  recurring 
charges  for  items  and  services  until  you  contact  and  cancel  delivery  with  the 
company providing the item or service, or (b) under certain circumstances if you 
use your Account for a transaction, the transaction may be posted to your Account.  
After your Account is cancelled, all amounts outstanding on your Account will be 
due and payable without notice or demand from us. You must cut all Cards and 
Convenience Checks in half and return them to us.  If you do not pay the amount 
you owe under this Agreement, you will be liable for our collection costs including 
our reasonable attorney fees and expenses of legal actions, to the extent permitted 
by applicable law. 

33.  Assignment  of  Your  Account  to  Another  Creditor:  We  may  assign,  sell  or 
transfer your Account and amounts owed by you to another creditor at any time. If 
we do, this Agreement will still  be in  effect unless and until amended, and any 
references made in this Agreement to “we”, “us”, or “our” will refer to the creditor 
to which we assigned, sold or transferred your Account or amounts owed under 
your Account. You may not delegate your obligations and responsibilities to us to 
any third party without our express written consent. 

THE ISSUER’S LEGAL RIGHTS AND OBLIGATIONS 

34. Collecting Credit Information about You: You authorize us to make any credit, 
employment and investigative inquiries we feel are appropriate related to giving 
you credit or collecting amounts owed on your Account. You agree that a consumer 
credit report may be requested periodically from one or more consumer reporting 
agencies (“Credit Bureaus”) and used in connection with your application and any 
update, renewal or extension of credit. We will provide information about you, your 
Account  or  your  credit  history  to  Credit  Bureaus  and  others  who  may  properly 
receive that information. 

35. Credit Bureau Disputes: If you believe we inaccurately reported credit history 
information about you or your Account to a Credit Bureau, write to the Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166-
9801.  

36.  Privacy Pledge and Disclosure of Account Information: A copy of our Privacy 
Pledge was included with your original Agreement.  We also keep copies of our 
Privacy  Pledge  in  financial  institution  offices  and  post  it  on  our  web  site.    Our 
Privacy Pledge describes how we collect, protect and use confidential financial and 
other  information  about  you  and  the  circumstances  in  which  we  might  share 
information about you with members of our corporate family and with unaffiliated 
third parties. Our Privacy Pledge also tells you how you can (a) limit the ways we 
share certain kinds of information about you and  (b) request corrections to the 
information we maintain about you. 

37.  Refusal  to  Honor  Transactions:  We  and  our  agents  are  not  responsible  if 
anyone refuses to honor your Card or a Convenience Check, or if authorization for 
a particular transaction is not given. Although you may have credit available under 
your Account, we may be unable to authorize credit for a particular transaction. 
The number of transactions you make in one day may be limited, and the limit per 
day may vary. These restrictions are for security reasons and as a result we cannot 
explain the details of how this system works. If your  Account is over  the Credit 
Limit or delinquent, authorization of credit for transactions may be declined. We 
are  not  responsible  for  anything  purchased  with  your  Card  or  a  Convenience 
Check, except as  expressly required by applicable law (see Your Billing Rights 
section below for more details). You must return goods you purchased with the 
Card or Account to the merchant and not to us.  

38.  Third  Party  Offers:  From  time  to  time,  third  parties  may  provide  you  with 
benefits not related to the extension of Account credit. We are not liable for these 
features, services and enhancements,  as they  are the sole responsibility  of the 
third party provider. We and/or a third party may add, change or delete  entirely 
these benefits without notice or liability to you, to the extent permitted by applicable 

law. You agree to hold us harmless from any claims, actions or damages resulting 
from your use of any of these features, services or enhancements, where permitted 
by applicable law. 

39. Monitoring and Recording Communications: You understand and agree that 
we,  and  anyone  acting  on  our  behalf,  may  monitor  and/or  record  any 
communications between you, or anyone acting on your behalf, and us, or anyone 
acting on our behalf, for quality control and other purposes.  You also understand 
and agree that this monitoring or recording may be done without any further notice 
to  you  or  anyone  acting  on  your  behalf.    The  communications  that  may  be 
monitored or recorded include telephone calls, cellular or mobile phone calls, and 
any other communications in any form.    

40. Severability: If a court of competent jurisdiction finds any part of this Agreement 
illegal or unenforceable, the remaining portions of the Agreement will remain in 
effect  as  written  after  any  such  illegal  or  unenforceable  portion  is  amended  in 
conformance with applicable law or, if necessary, voided.  

41. Entire Agreement: This version of the web Agreement replaces any previous 
versions of the web Agreement. The Agreement, as modified by any change in 
terms  we  may  deliver  from  time  to  time  in  accordance  with  applicable  law, 
constitutes the entire agreement between you and us, and supersedes any prior 
negotiation,  agreement,  or  understanding  between  you  and  us  concerning  the 
subject matter of the Agreement.  

42. Waiver: We do not give up our rights under the Agreement or applicable law 
when we fail to exercise or delay exercising those rights. Our failure or delay to 
exercise any right or remedy we have against you does not mean that we waive 
that right. 

43. Mobile Authentication:  To help us verify your identity, you authorize your 
wireless operator (AT&T, Sprint, T-Mobile®, US Cellular®, Verizon, or any other 
branded wireless operator) to use your mobile number, name, address, email, 
network status, customer type, customer role, billing type, mobile device 
identifiers (IMSI and IMEI) and other subscriber status details, if available, to 
allow us to verify your identity, and to compare information you have provided to 
us with your wireless operator account profile information for the duration of our 
relationship.  See our Privacy Pledge for more information of how we treat your 
data. 

44.  CELLULAR PHONE CONTACT POLICY:   By providing us with a 
telephone number for a cellular phone or other wireless device, including a 
number that you later convert to a cellular number, you are expressly 
consenting to receiving communications—including but not limited to 
prerecorded or artificial voice message calls, text messages, and calls 
made by an automatic telephone dialing system—from us and our affiliates 
and agents at that number. This express consent applies to each such 
telephone number that you provide to us now or in the future and permits 
such calls for non-marketing purposes. Calls and messages may incur 
access fees from your cellular provider.  You understand and agree that, if 
your Account has been assigned, sold, or transferred to us, we, as the 
successor-in-interest, and our affiliates and agents, have your prior 
express consent to call you using prerecorded or artificial voice message 
calls, text messages, or an automatic telephone dialing system at any 
telephone number(s) you may have provided to any previous creditor(s), or 
which may have otherwise been associated with your Account prior to its 
assignment, transfer, or sale to us. 

45.  Arbitration Provision: 
RESOLUTION OF DISPUTES BY ARBITRATION 
PLEASE READ THIS PROVISION CAREFULLY.  UNDER THIS PROVISION, 
YOU WAIVE YOUR RIGHTS TO TRY ANY COVERED CLAIM IN COURT 
BEFORE A JUDGE OR JURY AND TO BRING OR PARTICIPATE IN ANY 
CLASS OR OTHER REPRESENTATIVE ACTION.   
The following provision applies to any claim, cause of action, proceeding, or any 
other dispute between you, on the one hand, and us, our respective parents, 
subsidiaries, affiliates, agents, employees, predecessors-in-interest, personal 
representatives, heirs and/or successors, and assigns, on the other hand (each a 
“Claim” as further defined under the heading “Claims Covered by Arbitration”), 
including all questions of law or fact related thereto.  
Agreement to Arbitrate 
Either you or we may elect in writing, and without the consent of the other, to 
arbitrate all Claims covered by this provision. 
Claims Covered By Arbitration 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Claims subject to our agreement to arbitrate shall include all of the following: (1) 
Claims related to or arising out of this Agreement, or any prior or later versions of 
this Agreement as well as any changes to the terms of this Agreement; (2) 
Claims related to or arising out of any aspect of any relationship between us that 
is governed by this Agreement, whether based in contract, tort, statute, 
regulation, or any other legal theory; and (3) Claims that relate to the 
construction, scope, applicability, or enforceability of this arbitration provision.  
Claims include Claims that arose before we entered into this Agreement (such as 
Claims related to advertising) and after termination of this Agreement. 
Claims Not Covered By Arbitration 
Claims subject to our agreement to arbitrate shall not include (1) any Claim you 
file in a small claims court, so long as the Claim remains in such court and 
advances only an individual claim for relief, and (2) Claims asserted by way of a 
cross claim, counterclaim or any similar device against a party who has initiated 
a proceeding in court or other non-arbitral forum by any other party to that 
proceeding.   
Commencing an Arbitration 
The party initiating arbitration must choose one of the following arbitration forums 
to administer the arbitration: 

• 

• 

The American Arbitration Association (“AAA”) under AAA’s 
Consumer Arbitration Rules, except as modified by this Agreement.  
AAA’s Rules may be obtained from www.adr.org or 1-800-778-7879 
(toll-free).   
JAMS/Endispute (“JAMS”) under JAMS’ Comprehensive Arbitration 
Rules & Procedures or Streamlined Arbitration Rules & Procedures, 
including JAMS’ Consumer Minimum Standards, except as modified 
by this Agreement.  JAMS’ Class Action Procedures shall not apply.  
JAMS’ rules may be obtained from www.jamsadr.com or 1-800-352-
5267 (toll free). 

If the chosen arbitration forum is for any reason unable to serve, then the parties 
may agree to a comparable substitute organization.  If the parties are unable to 
agree, then a court of competent jurisdiction shall appoint a substitute 
organization.   
Arbitration Procedure 
The arbitration shall be decided by a single neutral arbitrator selected in 
accordance with AAA’s or JAMS’ rules, as applicable.  The arbitrator will decide 
the dispute in accordance with the terms of our Agreement and applicable 
substantive law, including the Federal Arbitration Act and applicable statutes of 
limitation.  The arbitrator shall honor claims of privilege recognized at law.  The 
arbitrator may award damages or other relief (including injunctive relief) available 
to the individual claimant under applicable law.  The arbitrator will not have the 
authority to award relief to, or against, any person or entity who is not a party to 
the arbitration.  The arbitrator will take reasonable steps to protect customer 
account information and other proprietary or confidential information.  Any 
arbitration hearing shall take place in the federal judicial district that includes your 
home address, unless you and we agree in writing to a different location or the 
arbitrator so orders.  If all Claims are for $10,000 or less, you may choose 
whether the arbitration will be conducted solely on the basis of documents 
submitted to the arbitrator, through a telephonic hearing, or by an in-person 
hearing in accordance with AAA’s or JAMS’ rules. 
At your or our request, the arbitrator will issue a reasoned written decision 
sufficient to explain the essential findings and conclusions on which the award is 
based.  The arbitrator’s award shall be final and binding, subject to judicial review 
only to the extent allowed under the Federal Arbitration Act.  You or we may seek 
to have the award vacated or confirmed and entered as a judgment in any court 
having jurisdiction. 
No Class Action or Joinder of Parties 
You and we agree that no class action, private attorney general, or other 
representative claims may be pursued in arbitration, nor may such action be 
pursued in court if either you or we elect arbitration.  Unless mutually agreed to 
by you and us, Claims of two or more persons may not be joined, consolidated, 
or otherwise brought together in the same arbitration (unless those persons are 
joint account owners or beneficiaries on your account and/or related accounts, or 
parties to a single transaction or related transaction).  If this specific paragraph is 
determined by the arbitrator to be unenforceable, then this entire provision shall 
be null and void.   
Arbitration Costs 
Unless the applicable arbitration rules at the time of filing a Claim are more 
favorable to you, we will advance (i) all arbitration costs in an arbitration that we 
commence, and (ii) the first $2,500 in arbitration filing, administration, and 
arbitrator’s fees in an arbitration that you commence.  To the extent allowed by 
applicable law and our agreements, the arbitrator may award arbitration costs 
and attorneys’ fees to the prevailing party. 
Applicable Law 

You and we agree that you and we are participating in transactions that involve 
interstate commerce and that this provision and any resulting arbitration are 
governed by the Federal Arbitration Act.  To the extent state law applies, the laws 
of the state governing your account relationship apply.  No state statute 
pertaining to arbitration shall apply.  This Arbitration Provision shall not apply to a 
party who is a covered borrower under the Military Lending Act. 
Severability 
Except as this provision otherwise provides, if any part of this provision is 
deemed to be invalid or unenforceable by the arbitrator, that part will be severed 
from the remainder of this provision and the remainder of this provision will be 
enforced. 

YOUR BILLING RIGHTS 

Keep this document for future use.  This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement: 
If you think there is an error on your statement, call or write to us. 

In your letter or call, give us the following information: 
•  Account information: Your name and Account  number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if 

you want to stop payment on the amount you think is wrong. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 
1.  Within  30  days  of  receiving  your  letter  or  call,  we  must  tell  you  that  we 
received your letter.  We will also tell you if we have already corrected the 
error. 

2.  Within 90 days of receiving your letter or call, we must either correct the error 
or explain to you why we believe the bill is correct.  While we investigate 
whether or not there has been an error: 
•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

• 

delinquent on that amount. 
The charge in question may remain on your statement, and we may 
continue to charge you interest on that amount. 

•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 

responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 

• 

After We Finish Our Investigation, One of Two Things Will Happen: 
• 

If we made a mistake, you will not have to pay the amount in question or any 
interest or other fees related to that amount. 
If we do not believe there was a mistake, you will have to pay the amount in 
question,  along  with  applicable  interest  and  fees.    We  will  send  you  a 
statement of 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 
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. 

3. 

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. 
You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing.  While we investigate, the same rules apply to the disputed 
amount as discussed above.  After we finish our investigation, we will tell you our 

decision. At that point, if we think you owe an amount and you do not pay, we may 
report you as delinquent. 

SPECIAL  RULES  FOR  CREDIT  CARD  PURCHASES  DO  NOT  APPLY  TO 
PURCHASES  MADE  WITH  CONVENIENCE  CHECKS  OR  BALANCE 
TRANSFER CHECKS. 

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