IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and 
record information that identifies each person who opens a new account. What this means for you: When you open an account, we will ask for your 
name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying 
documents.

CREDIT CARD AGREEMENT

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) 
for Purchases

22.8%

How to Avoid Paying Interest

Your due date is at least 23 days after the close of each  Billing 
Cycle. We will not charge you interest on purchases if you pay 
your entire balance by the Payment Due Date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection  
Bureau at http://www.consumerfinance.gov/learnmore

FEES

Annual Fee

Penalty Fees

• Late Payment Fee

None

Up to $15 if your New Balance is less than $100; 
Up to $35 if your New Balance is $100 or more 

• Returned Payment Fee

Up to $35

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement below.
We may change APR, Fees, and other terms at any time and for any reason in accordance with this Credit Card Agreement and applicable law.
The information about costs of the card described in this application is accurate as of April 1, 2017. This information may have changed after that date. To find out what may 
have changed, please write us at: Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315.
READ BEFORE YOU SIGN THE APPLICATION OR ELECTRONIC SIGNATURE CAPTURE DEVICE, OR SUBMIT YOUR ELECTRONIC CONSENT

This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First 
National Association, a national banking association located at 6275 Eastland Road, 
Brook Park, Ohio 44142 (“CFNA”).  This Agreement governs the use of your credit 
card account with us (“Account”) and includes the following “Related Documents”: 
•  Application  -  The  application  or  solicitation  you  signed  or  otherwise 

submitted to request the Account; 

•  Card Carrier - The card carrier we send with the credit card or cards we issue 

to you;

•  Promotional Credit Plan Terms - Any special terms we provide to you if you 

make a purchase under a special promotional plan; and

•  Debt  Cancellation  -  The  terms  and  conditions  of  any  debt  cancellation 

product that you purchase in connection with your Account.

The  Related  Documents  are  incorporated  by  reference  into  this  Agreement.    Your 
handwritten, electronic or digital signature on any document you sign in connection 
with the use of your card or Account is part of this Agreement.  These documents 
include,  but  are  not  limited  to,  your  card,  Application  or  any  accepted  sales  slip.  
Participating merchants that may honor your card are not a party to this Agreement.  
Please read this Agreement and keep it for your records.

Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and 
their  dependents  relating  to  extensions  of  consumer  credit.  In  general,  the  cost 
of  consumer  credit  to  a  member  of  the  Armed  Forces  and  his  or  her  dependent 
may  not  exceed  an  annual  percentage  rate  of  36  percent.  This  rate  must  include, 
as applicable to the credit transaction or account: The costs associated with credit 
insurance premiums; fees for ancillary products sold in connection with the credit 

transaction;  any  application  fee  charged  (other  than  certain  application  fees  for 
specified credit transactions or accounts); and any participation fee charged (other 
than  certain  participation  fees  for  a  credit  card  account).  Members  of  the  Armed 
Forces and their dependents are under no duty to waive their right to legal recourse 
under any applicable provision of Federal or State law, including any provision of the 
Servicemembers Civil Relief Act. Members of the Armed Forces and their dependents 
are not required to submit to arbitration as described in Section 27 below or elsewhere 
in  this  Agreement.  You  may  contact  us  toll-free  at  855-209-0592  for  information 
about the Military Annual Percentage Rate and/or your payment schedule.  

AUTHORIZATION
By  signing  the  application,  signature  capture  device  or  through  your  electronic 
consent, you certify to each of the following statements:  You have read and agree to 
the terms and conditions set forth in this document. You are applying to Credit First 
National Association (CFNA) for a credit card with a credit limit up to the amount 
for which you qualify.  The application information you provided is true, correct and 
complete,  and  CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports 
about  you  from  consumer  reporting  agencies  in  considering  this  application  and 
subsequently for the purpose of any update, review, renewal or extension of credit, 
or reviewing or collecting the Account.  You understand and agree that by providing 
CFNA  with  a  wireless  telephone  number,  you  consent  to  receiving  autodialed  and 
prerecorded  message  calls  from  CFNA  or  its  servicers,  its  assignees,  or  its  third 
party debt collectors at this number.  You understand that if CFNA approves your 
application, CFNA will issue a card and extend credit to you from its offices in Ohio. 

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You agree to be bound by the terms set forth in the Agreement.  You also understand 
that  the  Agreement  includes  an  Arbitration  Section  that  allows  you  or  CFNA  to 
resolve by arbitration claims arising from or related to the Agreement and your 
Account  through  the  American  Arbitration  Association.    The  Arbitration  Section 
will prevent you and CFNA from having claims resolved by a judge or jury and 
prevent  you  from  participating  as  a  representative  or  member  of  any  class  of 
claimants for claims subject to arbitration.  Other rights available in court may 
also not be available in arbitration.  You can reject the Arbitration Section within 
30 days after CFNA opens your Account as explained in the Agreement.
By  submitting  your  application,  you  acknowledge  that  you  have  read,  understood 
and received a copy of this document and if approved for credit by CFNA, agree to be 
bound by the terms set forth in this document.  
1.  DEFINITIONS. 

•  You and your - each person who requested an Account approved by CFNA.
•  We, us and our - CFNA or any person or entity to which CFNA sells or gives 

your Account.  

•  Credit Card or Card - each credit card we issue to you or a person any of you 

authorizes to use the Account.

•  Authorized User - a person any of you authorizes to use the Account and to 

whom we may issue a Card.

Other capitalized terms are defined in the Agreement.  Defined terms have the same 
meaning when used in your monthly billing statement (“Statement”).  
2.  YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise 
to  do  everything  this  Agreement  requires  of  you.  For  joint  Accounts,  each  of  you 
promises to do everything this Agreement requires. You specifically promise to pay 
all  amounts  owed  because  of  transactions  made  on  your  Account  by  any  of  you 
and  any  Authorized  User.  You  will  be  bound  by  this  Agreement  when  you  submit 
an  Application  that  is  approved  by  us,  sign  a  sales  slip  using  the  Card,  or  use  or 
permit someone else to use credit provided through the Card or Account. You will 
use the Card only for personal, family, or household purposes, and not for business, 
commercial, or agricultural purposes.  You agree that at any time for any reason we 
may reissue a Card to you and/or may ask you to return any or all Cards.
3.  CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount 
we allow you to owe us at any time.  If you exceed any credit limit that we have set 
for your Account, we can still charge you for all transactions, Interest Charges and 
other  charges  (“Finance  Charges”)  without  giving  up  any  of  our  rights  under  this 
Agreement.  We may increase or decrease your Credit Limit at any time at our option.  
The reasons for changes may include, for example, your credit history with us, your 
default under this Agreement (see Section 13 below), fraud prevention or changes to 
this credit card program or CFNA policy. 
4.  MONTHLY STATEMENTS; BILLING CYCLES.  We will send you a Statement at the 
end of each Billing Cycle in which (a) your Account has a balance of $1 or more, (b) 
an Interest Charge is imposed or (c) applicable law requires us to send a Statement. 
We  send  only  one  Statement  for  your  Account  each  month.  Each  Statement  will 
show, among other things, the date on which the most recent Billing Cycle ended 
(the “Statement Closing Date” of the Billing Cycle), Previous Balance, Payments and 
Credits, Transactions, Interest Charges, other Fees and Charges, Payment Due Date, 
New Balance and Minimum Payment Due. A Billing Cycle means the days between 
Statement Closing Dates. 
5.  YOUR ADDRESS.  We will consider your current address and state of residence 
to be the same as the billing address we maintain in our records. You agree to notify 
us of any change in your name, residence, or billing address by writing to us at the 
address  shown  on  your  Statement.  Any  notices  required  by  law  shall  be  deemed 
received if mailed to your current address. 
6.  PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at 
any time without penalty. You must pay us at least the Minimum Payment Due for 
each Billing Cycle by the Payment Due Date shown on your Statement. The Minimum 
Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance 
(rounded  up  to  the  nearest  whole  dollar)  plus  all  past  due  amounts  and  any  Late 
Payment Fee, Returned Payment Fee, or unpaid ACH Service Fee incurred during the 
previous Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay your 
Account balance in full). The New Balance used to determine your Minimum Payment 
Due includes Regular Credit Plan transactions and Promotional Credit Plan balances 
(see Section 9 below for a description of Credit Plans). 
7. 
SKIP-PAYMENT OPTION. At our sole option, we may allow you to skip payment 
of the Minimum Payment Due for a certain Billing Cycle. During any Skip-Payment 
period, Interest Charges will continue to accumulate on the unpaid balance of your 
Account, but no Late Payment Fee will be assessed. At the end of any Skip-Payment 
period, the Minimum Payment terms of this Agreement that would have applied were 
it not for the Skip-Payment feature, will automatically resume. Taking advantage of 

the  Skip-Payment  option  will  not  extend  the  Delay  Period  for  special  Promotional 
Credit Plans.
8. 
  METHODS  OF  PAYMENT.  Payments  received  at  CFNA  by  5:00  p.m.  Eastern 
Time on a business day are credited to your Account as of that day. You may pay your 
Account by mail, by telephone or on-line.  If paying by mail, send your personal check 
or money order, payable in U.S. dollars, to Credit First N.A. at the payment address 
shown on your Statement. Include your payment stub and do not send cash. You 
agree not to send us any check marked "payment in full" or with similar terms or other 
conditions. If you do, the check must be sent to our Dispute Resolution Department 
at a separate address for Inquiries specified on your Statement. We can accept such 
checks or late or partial payments without losing our right to receive the full amount 
owing  on  your  Account.    If  paying  by  telephone,  utilize  our  automated  payment 
system at 800-321-3950.  If paying on-line, log on to www.CFNA.com.  Follow all of 
the instructions for making a payment specified on your Statement.  Any payment 
that does not conform to these requirements may not be credited to your Account for 
up to five days, or may be rejected.
9.  CREDIT PLANS. 
A.  Regular Credit Plan. You may use your Account for transactions that may or 
may not be subject to Promotional Credit Plan terms. Any balance of transactions not 
subject to Promotional Credit Plan terms will be part of your Regular Credit Plan and 
treated as your “Revolving Balance.” 
B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit 
Plans. Any Promotional Credit Plan may apply for a limited period of time. Our rights 
and  your  responsibilities  will  change  if  you  make  a  qualifying  purchase  under  a 
Promotional Credit Plan. If you participate, the applicable Promotional Credit Plan 
terms will be given to you in a separate document. Promotional Credit Plan terms 
temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and 
all other terms of this Agreement remain unchanged. Any temporary modification of 
Agreement terms for Promotional Credit Plans will not limit or affect any other rights 
we have under this Agreement or applicable law.
10.  APPLICATION  OF  PAYMENTS.  We  apply  payments  first  to  previously  billed 
Interest  Charges;  then  to  your  purchases.  The  application  of  payments  may  be 
amended by Promotional Credit Terms. Except as otherwise prohibited, we will apply 
payments  equal  to  or  less  than  the  required  Minimum  Payment  amount  and  any 
credits to balances on your Account in a way that is deemed appropriate by us. We 
will also follow the requirements of applicable law when allocating your payments.   
11.  INTEREST  CHARGES.  We  will  calculate  periodic  Interest  Charges  on  your 
Account  for  each  Billing  Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic 
Interest  Rate”)  by  the  Average  Daily  Balance  (including  new  transactions)  on 
your  Account.  A  Periodic  Interest  Rate  is  one-twelfth  of  its  corresponding  Annual 
Percentage Rate (“APR”). We will charge you a Minimum Interest Charge of $1 for 
any  Billing  Cycle  in  which  an  Interest  Charge  of  less  than  $1  would  otherwise  be 
imposed.  
A.  Periodic Interest Rate; Interest Rate. The Periodic Interest Rate that applies to 
your Revolving Balance is 1.9% (corresponding APR 22.8%) (“Interest Rate”).
B.  How  We  Calculate  Average  Daily  Balance  Subject  to  Periodic  Interest 
Charges.  To get the Average Daily Balance for your Revolving Balance, we first must 
determine the daily balance for your Revolving Balance. To get the daily balance, we 
take the beginning Revolving Balance of your Account each day. Then we subtract 
any payments or credits applied to your Revolving Balance, and any unpaid Interest 
Charges.  We  add  to  that  amount  any  new  Regular  Credit  Plan  transactions,  Late 
Payment Fees, credit insurance, debt cancellation charges and other Account fees 
and administrative charges. We then add up all the daily balances and divide by the 
number of days in the Billing Cycle. This gives us the Average Daily Balance for your 
Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges, 
that is, we do not compound Interest Charges.
C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on 
each purchase from the later of (a) the date of the transaction or (b) the first day of 
the Billing Cycle in which the transaction posts to your Account. However, we do not 
assess Interest Charges in the following circumstances:

1.  If you paid the New Balance at the beginning of your previous Billing Cycle 
by the Payment Due Date during that previous Billing Cycle (or if that New 
Balance was $0 or a credit balance), then:
• 

if you pay the New Balance on your current Monthly Statement in full by 
the Payment Due Date in your current Billing Cycle, we will not impose 
Interest Charges on Purchases during your current Billing Cycle, and 
if you make a payment that is less than the New Balance by the Payment 
Due Date in your current Billing Cycle, we will credit that payment as of 
the first day in your current Billing Cycle.

• 

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2.  If  you  had  a  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle 
and  you  did  not  pay  that  New  Balance  by  the  Payment  Due  Date  during 
that previous Billing Cycle, then we will not charge Interest Charges on any 
Purchases during the current Billing Cycle if you pay the New Balance at the 
beginning  of  your  current  Billing  Cycle  by  the  Payment  Due  Date  in  your 
current Billing Cycle.

12.  FEES.
A.  Late  Payment  Fee.  If  we  do  not  receive  at  least  the  Minimum  Payment  Due 
by 5:00 p.m. Eastern Time on your Payment Due Date we may add to your Account 
a Late Payment Fee of $15 if your New Balance is less than $100, $25 if your New 
Balance  is  $100  or  more,  and  $35  if  your  New  Balance  is  $100  or  more  and  you 
did  not  make  the  Minimum  Payment  in  any  of  the  prior  six  Billing  Cycles  by  the 
Payment Due Date. However, the Late Payment Fee will never exceed the amount of 
your required Minimum Payment to which the Late Payment Fee relates.  Any Late 
Payment Fee assessed will be added to the Revolving Balance on your Account.
B.  Returned Payment Fee. If your payment check, ACH, electronic debit or other 
instrument is dishonored by your bank or must be returned for any reason, we will 
add a Returned Payment Fee of $25, or $35 if you had a returned payment in any of 
the six prior Billing Cycles, to the Revolving Balance of your Account.  However, the 
Returned Payment Fee will never exceed the amount of your most recent required 
Minimum Payment.
C.  ACH Service Fee. Each time you ask a customer service representative to assist 
you  in  making  an  expedited  automated  payment  from  your  bank  account  (i.e.  an 
automated  clearinghouse  or  "ACH"  transaction),  when  permissible,  we  may  add  a 
service fee to the Revolving Balance of your Account.  The amount of the fee will be 
disclosed at the time you request the service.  
13.  DEFAULT. Your Account will be in default if you fail to do something that this 
Agreement requires of you, subject to any restrictions under applicable law.  If that 
happens, we may tell you to pay us immediately everything you owe under the Account 
and applicable law. We will tell you in advance and/or give you an opportunity to cure 
your default only if applicable law requires us to do so. 
14.  LOST OR STOLEN CARD OR IDENTITY THEFT. If you notice the loss or theft of 
your credit card or a possible unauthorized use of your card (including suspected 
identity theft), you should write to us immediately at CFNA, BK-11/Customer Service, 
P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us at 800-321-3950.  You will not 
be liable for any unauthorized use that occurs after you notify us.  You may, however, 
be liable for unauthorized use that occurs before your notice to us.  In any case, your 
liability will not exceed $50.
15.  HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may 
cancel your Account at any time. Cut each Card in half and send us the pieces with a 
letter telling us you want to cancel your Account. This includes each Card you gave to 
others. Send us the letter and Card pieces at the address shown on your Statement. 
You still must pay the full amount you owe us.
16. WE HAVE THE RIGHT TO CANCEL YOUR ACCOUNT. We may cancel your Account 
and Cards at any time for any reason. Any Card issued for your Account must be cut 
in half and the pieces sent to us if we ask. This includes each Card you gave to others. 
You cannot use a Card after we ask you to return it. You still must pay the full amount 
you owe us, and this Agreement will continue to apply to any unpaid balance.
17.  CREDIT AUTHORIZATIONS. We will authorize all Account purchases in advance. 
A merchant may ask you to provide identification. We may not be able to authorize a 
transaction, even if you have sufficient available credit, for example if our authorization 
system is not working or if we suspect possible fraud. We will not be liable to you if 
this occurs. We may not authorize a transaction if your Account is over your Credit 
Limit or delinquent; if we authorize such a transaction, we do not consider it to be 
an increase in your Credit Limit. We are not responsible if any merchant refuses to 
accept or honor your Credit Card.
18.  CREDIT  INVESTIGATION  AND  CREDIT  REPORTS.  You  hereby  authorize  us  to 
investigate  your  credit  record.  You  agree  that  a  credit  report  may  be  requested  in 
connection  with  the  processing  of  an  application  for  credit,  and  subsequently  in 
connection with any extension of credit, or any consideration of an increase to your 
credit limit, or any renewal or update of your Account, or to take collection action on 
the Account, or to investigate disputes regarding the Account. You also authorize us 
to furnish information concerning the status and payment history of your Account to 
credit bureaus and other creditors. If you believe that we have reported inaccurate 
information about you to a credit reporting agency, please contact us at CFNA, BK-11/
Customer Service, P.O. Box 81315, Cleveland, Ohio  44181-0315. In doing so, please 
provide your Account number, name, address, phone number, any other supporting 
documentation  and  specify  the  inaccurate  information  and  tell  us  why  you  believe 
it  is  incorrect.  If  you  have  a  copy  of  the  credit  report  that  includes  the  inaccurate 
information, please send a copy of that report to us as well. 

19.  PHONE  CALLS.  You  authorize  us,  or  our  servicers,  assignees,  or  third  party 
debt collectors to contact you by telephone about your Account. You agree that we 
may  call  you  about  your  Account  using  an  automatic  dialing  -  announcing  device 
and that these calls will not be "unsolicited" calls for purposes of state or federal law.  
You understand and agree that by providing us with a wireless telephone number, 
you consent to receiving autodialed and prerecorded message calls from us or our 
servicers, assignees, or third party debt collector at that number. From time to time, 
we  may  monitor  and/or  record  telephone  calls  between  you  and  us  to  assure  the 
quality of our customer service. You agree that monitoring and/or recording may be 
done and that no additional notice to you or additional approval from you is needed.
20.  GOVERNING LAW. This Agreement and your Account are governed by federal 
law applicable to a national bank and, to the extent not preempted by federal law, 
the laws of Ohio, without regard to its conflicts of law provisions. This is the law we 
mean when we refer in this Agreement to a term that may be permitted or required by 
applicable law. We have accepted this Agreement in Ohio.
21.  RESPONSIBILITY FOR GOODS AND SERVICES. We are not responsible for the 
goods and services purchased with the Credit Card. You agree to settle all disputes 
arising  from  purchases  directly  with  the  merchant  who  honored  the  Credit  Card 
and,  except  as  required  by  applicable  law,  to  pay  us  all  amounts  required  by  this 
Agreement despite such disputes.  You agree to notify us within 30 days after the 
occurrence of an event giving rise to a product or service dispute.  
22.  WAIVER. We may, at our discretion from time to time without notice, waive any 
of our rights under this Agreement in certain circumstances. We can waive our rights 
without affecting our other rights. If we waive any right, we do not waive the same 
right in other circumstances or at other times.
23.  SEVERABILITY.  If  any  provision  of  this  Agreement  is  finally  determined  to 
be  unenforceable  under  any  law,  rule,  or  regulation,  all  other  provisions  of  this 
Agreement will still be valid and enforceable.
24.  ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or 
any interest we hold in your Account without notice to you. You may not sell, assign 
or transfer your Account.
25.  CHANGE IN TERMS. We may change the terms of this Agreement at any time, 
and we may add or delete terms in this Agreement.  These changes may include, for 
example, Interest Charge rates, fees and this Change in Terms provision.  We will give 
you notice of any change as required by applicable law. Any change will apply on and 
after its effective date to new transactions and existing balances on your Account, 
except as limited by applicable law.  
26.  DEBT  CANCELLATION.  Your  purchase  of  any  debt  cancellation  product  that 
we offer is optional. Whether or not you purchase this product does not affect our 
decisions about your credit.  The Debt Cancellation Terms of any debt cancellation 
product that we offer and you elect to purchase, and any other related disclosures, 
are provided separately from this Agreement.
27.  ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" and 
"our" refer to Credit First National Association, its parents, wholly or majority owned 
subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and 
directors. If either you or we choose arbitration, neither you nor we will have the right 
to litigate that claim in court or to have a jury trial on that claim, or to engage in pre-
arbitration discovery, except as provided for in the arbitration rules of the American 
Arbitration Association (“AAA”). In addition, you will not have the right to participate 
as a representative or member of any class of claimants related to any claim subject 
to arbitration. The arbitrator's decision will generally be final and binding. Other rights 
that you would have if you went to court may also not be available in arbitration. It is 
important that you read the entire arbitration provision carefully before accepting the 
terms of this Agreement. 
A "Claim" is any pre-existing, present, or future claim, dispute, or controversy of any 
kind (including but not limited to constitutional, statutory, regulatory, common law, 
contract, tort and equitable claims) arising from or relating to (a) the credit offered 
or provided to you or requested by you, (b) the actions of you, us or third parties, or 
(c) the validity or meaning of this arbitration provision and every other provision in 
this Agreement.  
You agree that either you or we can choose to have any Claim resolved by binding 
arbitration. You and we acknowledge that each waives the right or opportunity to 
litigate  a  Claim  in  a  court  of  law,  and  that  each  agrees  to  resolve  any  Claims 
arising out of this Agreement through binding arbitration. This Section does not 
apply to any of our regular Account collection efforts.  If this Section (or any part of 
it) is determined invalid or illegal under any applicable statute or rule of law, it will be 
deemed omitted without affecting any other provisions of this Agreement, which shall 
remain in full force and effect.
There shall be no authority for any Claims to be arbitrated on a class action basis. 
An arbitration can only decide our or your Claim and may not consolidate or join the 

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claims of other persons who may have similar claims. 
Any  arbitration  will  be  conducted  in  accordance  with  the  AAA’s  rules  applicable 
to  consumer  disputes.    For  additional  information  go  to:  http://www.adr.org/.    
Any  arbitration  hearing  that  you  attend  will  take  place  in  the  federal  judicial  
district  where  you  reside.  At  your  request,  we  will  advance  the  first  $250  of 
the  filing  and  hearing  fees  for  any  Claim  you  may  file  against  us;  the  arbitrator 
will  decide  whether  we  or  you  will  ultimately  pay  those  fees.  This  arbitration 
agreement  is  made  pursuant  to  a  transaction  involving  interstate  commerce  
and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. 
The  arbitrator  shall  apply  applicable  substantive  law  consistent  with  the  Federal 
Arbitration  Act  and  applicable  statutes  of  limitations,  and  shall  honor  claims  of 
privilege recognized at law. This arbitration provision shall survive repayment of your 
extension of credit and termination of your Account. 
Judgment  upon  the  award  may  be  entered  in  any  court  of  law  of  competent 
jurisdiction. 
You can reject this Arbitration Section if you write to us within 30 days after we 
open your Account.  Send a letter that you do not agree to the Arbitration Section.  
The letter must include your name, address and Account number. Mail the letter to 
CFNA, BK-12/Legal, P.O. Box 81315, Cleveland, Ohio 44181-0315.  This is the only 
way you can reject the Arbitration Section. If you reject the Arbitration Section, all 
other parts of this Agreement still apply to your Account.    
28.  ENTIRE  AGREEMENT.  This  Agreement,  including  the  Related  Documents 
incorporated  by  reference  into  it,  is  the  entire  agreement  between  you  and  us 
relating  to  your  Account.  This  Agreement  replaces  any  other  agreement  relating 
to  your  Account  that  you  and  we  made  earlier  or  at  the  same  time.  If  any  of  the 
Related Documents has any information that is not the same as information in this 
Agreement, we will follow this Agreement unless the other document says we should 
follow that document. 
SIGNATURES. Your handwritten, electronic or digital signature on any document you 
sign in connection with the use of your Card or Account represents your signature 
on this Agreement. 

Brian W. Zempel
President
DATE: 04/1/2017

NOTICES:
California Residents:  If you are married, you may apply for a separate account.
New York Residents: Upon your request, you will be informed of whether or not a 
credit report was ordered, and if it was, you will be given the name and address of the 
consumer reporting agency that furnished the report.
Ohio  Residents:    Ohio  laws  against  discrimination  require  that  all  creditors  make 
credit  equally  available  to  all  credit  worthy  customers,  and  that  credit  reporting 
agencies maintain separate credit histories on each individual upon request.  The Ohio 
Civil Rights Commission administers compliance with this law. 
Married  Wisconsin  Residents:  No  provision  of  any  marital  property    agreement,  
unilateral  statement  under  Section 766.59  of  the  Wisconsin  statutes  or  court  
order  under Section  766.70  adversely  affects  the  interest  of  CFNA, unless CFNA, 
prior to the time credit is granted is furnished a copy of the agreement, statement or 
decree or has actual knowledge of the adverse provision when the obligation to CFNA 
is incurred.
NJ  Residents:  Certain  provisions  of  this  Agreement  are  subject  to  applicable  
law. As a result, they may be void, unenforceable or inapplicable in some jurisdictions. 
None  of  these  provisions,  however,  are  void,  unenforceable  or  inapplicable  in  New 
Jersey.
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 CFNA, BK-11/Customer 
Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. 
In your letter, give us the following information:

•  Account information: Your name and account number.

4 of 4

•  Dollar amount: The dollar amount of the suspected error.
•  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill, 
describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if 

you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you 
do we are not required to investigate any potential errors and you may have to 
pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
2.  Within 90 days of receiving your letter, we must either correct the error 

or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount.

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may 

continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:

• 

• 

If we made a mistake: You will not have to pay the amount in question 
or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as 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. 
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  CFNA,  BK-11/Customer  Service,  P.O.  Box  81315, 
Cleveland, Ohio 44181-0315.
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.

E CFNA 04/2017