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.     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. 

2.     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. 

3.     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. 

5.     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. 

6.     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. 

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. 

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. 

9.     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)     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. 

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

(ii)     you exceed either  your Cash Advance Limit  or your Total Credit Limit; 

(iii)    you gave us incomplete  or false information  to get your Account or 

when we requested additional information from you; 

(iv)    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: 

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

                       •      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. 

17.   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. 

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: 

219668W L_M402_7_Prt4.indd   2 

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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 

12.99% to 20.99%. This APR will be based on your 
creditworthiness and will vary with the market based on 
LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
12.99% to 20.99%. This APR will be based on your 
creditworthiness and will vary with the market based on 
LIBOR.* 
Introductory APRs with varying durations may be available on 
some accounts. 
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 12.74-20.74 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, 2014.  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.