Agreement for U.S. Bank National Association Visa® Personal Line of Credit Accounts 
This credit card program is issued and  administered  by U.S. Bank  National Association.  This information is  accurate as  of  June  30, 2022.  
PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  See the Agreement 
that was provided for your Account and Card for more detailed information, including contact information. 

PRICING INFORMATION: Actual pricing will vary from one Cardmember to another 

(APR = Annual Percentage Rate) 
(DPR = Daily Periodic Rate) 
Annual Percentage Rates for Purchases 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 11.75% 
(DPR) 0.032191% 

Annual Percentage Rates for Balance Transfers 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00 % 
(APR) 11.75% 
(DPR) 0.032191% 

Annual Percentage Rates for Cash Advances 

This APR will vary with the Market based on the 
Prime Rate. 

Prime + 7.00% 
(APR) 11.75% 
(DPR) 0.032191% 

Penalty APR and When It Applies 
Paying Interest 

Minimum Interest Charge  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Set Up and Maintenance Fees 

•  Annual Fee 

Transaction Fees   

There is no Penalty Rate for your Account. 
Your due date is 24-30 days after the close of each billing cycle. 
There is no interest-free period. 
If you are charged interest, then the Minimum Interest Charge 
will be NONE. 
To  learn  more  about  factors  to  consider  when  applying  for  or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 
NOTICE:  Some  of  these  set-up  and  maintenance  fees  will  be 
assessed before you begin using your Card and based on your 
Credit Limit, your initial available credit will be less.  

You may still reject this Account, provided that you have not yet 
used it or paid a fee after receiving a billing statement. If you do 
reject  the  Account,  you  are  not  responsible  for  any  fees  or 
charges. 
NONE 

NONE   
•  Balance Transfer Advance Fee  
NONE   
•  Convenience Check Advance Fee 
•  Financial Institution Cash Advance Fee   NONE   
•  Cash Equivalent Advance Fee 

Either $20 or 4% of the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   

•  Cash Advance Overdraft Protection Fee  NONE 
•  Cash Advance ATM Fee 

•  Foreign Transaction Fee 

Account Fees 

•  Late Fee  
•  Return Payment Fee  

Up to $40 
Up to $35 

Either $15 or 4% of the Advance amount, whichever is greater 
(maximum fee (No Maximum)).   
Up to 3% of each foreign transaction amount. 

 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.  See 
the Agreement for more details. 

U.S. BANK NATIONAL ASSOCIATION 
P. O. Box 6352 
Fargo, ND  58125 

Account Agreement  

This is an agreement and disclosure statement (“Agreement”) between you and U.S Bank 
National  Association  containing  the  terms  that  will  apply  to  your  Account  (“Account”) 
effective June 30, 2022.  In this Agreement, “you”, “your” and “Accountholder” means each 
individual accepting a solicitation or applying for the Account or otherwise agreeing to be 
responsible for the Account.  “We”, “us”, “our”, and “the Issuer” means U.S. Bank National 
Association, the issuer of the Card and your Account creditor.  Please read this Agreement 
carefully and keep it in a safe place to make the best use of the Account and credit cards 
we may issue with this Account (“Card”).  The Agreement becomes effective as soon as 
you or someone authorized by you uses or activates the Card or Account. Even if the Card 
or Account has not been used or activated, the Agreement becomes effective unless you 
contact us within 30 days after you receive the Card by calling the number on the back of 
the Card to cancel your Account.  This web Agreement does not replace the Agreement 
that is provided with the Account and Card.    

This  Agreement  contains  an  arbitration  provision  (including  a  class  action 
arbitration  waiver).    It  is  important  that  you  read  the  entire  Arbitration  Provision 
section carefully. 

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT 

1.  Personal  Use:  You  may  use  the  Account  only  for  personal,  family  or  household 
purposes. Federal or state consumer protection laws may not apply if you use the Account 
for other than personal, family or household purposes.  

2.  Expanded Account Access:  Any card or PIN issued to or selected by you under this 
Agreement will access multiple checking, savings, line of credit and credit card accounts 
in your name at U.S. Bank or any of its bank affiliates; and any Account opened under this 
Agreement may be accessed by any card(s) or PIN(s) that you have selected or that have 
been issued to you or may in the future be selected by you or issued to you by us or our 
bank affiliates.  “Expanded Account Access” means use of a card or account number and 
PIN to conduct a transaction or obtain information at ATMs or via telephone, personal 
computer  banking,  or  any  other  available  method.  Expanded  Account  Access  may  be 
available for up to 5 checking, 5 savings, and 5 line of credit or credit card accounts, and 
at other ATMs and with other available methods of access, other limitations may apply.  

3.  Purchases:    You  may  use  the  Account  to  buy,  lease  or  otherwise  obtain  goods  or 
services  from  participating  merchants  (including  transactions  you  initiate  by  mail, 
telephone or over the Internet), or take advantage of special promotional Balance Transfer 
offers that post as Purchase transactions (“Purchases”).  We will, in connection with any 
promotional offer we make from time to time, provide information on your Card carrier or 
in additional materials (the “Offer Materials”) that explain whether those transactions will 
post  and  be  treated  as  a  Purchase.  Even  if  you  have  not  signed  a  sales  draft  or  the 
merchant  has  not  supplied  you  with  a  written  receipt  or  other  proof  of  sale,  you  are 
responsible for all Purchases made through your Account, except as expressly limited by 
applicable law (see “Your Billing Rights” section below for more details).  

 4. Advances:   “Advances” are transactions other than Purchases that allow you direct 
access  to  funds  available  through  your  Account.    Advances  may  include  Account 
transactions such as cash advances you obtain directly from us, automated teller machines 
(“ATMs”) or other participating financial institutions (“Cash Advances”). ATM and financial 
institution  Advances  include  phone  (automated  phone  system  and  24  Hour  customer 
service assisted) and Internet transfers. Advances also include some Balance Transfers, 
Convenience  Checks,  FastCash,  Overdraft  Protection  Advances  and  Cash  Equivalent 
Advances.  “Cash Equivalent Advances” include transactions to acquire or initiate  wire 
transfers,  travelers  checks,  cashier’s  checks,  money  orders,  foreign  cash  transactions, 
casino gaming and betting transactions and lottery tickets.  Monthly Account statements 
we issue may refer to Advances as an Advance, Cash, Cash Advances, or by the product 
or device you used to obtain an Advance.  Refer to the Account Fees section for details on 
Advance Transaction Fees. 

5.  Advance  Limits:    Only  a  portion  of  the  Credit  Limit  (defined  below)  is  available  for 
Advances  and  that  portion  may  vary  from  time  to  time.  Although  you  may  have  credit 
available  under  your  Account,  we  may  be  unable  to  authorize  an  Advance.  You  may 
contact Cardmember Service to learn the portion of your Credit Limit which is available for 
Advances. 

6.  Checks  Issued  on  the  Account:    We  will  supply  Access  Checks  and  Convenience 
Checks for use by the person(s) or drawer named on those checks (collectively “Checks”).  
These Checks are drafts that look like other checks, but are drawn on credit available in 
the Account. Checks must be written in U.S. Dollars.   We will honor a properly signed 
Check  provided  your  Account  has  available  credit  to  cover  the  amount  of  the  Check.  
Access Checks are not subject to Advance fees.  From time to time, we may supply you 
with  Convenience  Checks.    We  will,  in  connection  with  any  Convenience  Check  we 
provide, include Offer Materials that will explain whether the Convenience Check will post 
and be treated as an Advance or as a Balance Transfer.  We may also return a Check 
unpaid if:  
(a) the credit available under your Credit Limit is less than the Check amount;  
(b) the Account is in Default; or  
(c) the Check is improperly endorsed or otherwise fails to conform to our regularly accepted 
standards for check payment.  
Checks may not be used to pay your Account or any obligation you owe us or our affiliates. 

7. Paying and Stopping Payment on Checks:  You must write to us or call to request that 
payment be stopped on a Check.  You must call us promptly with an oral stop payment 
request and then provide us with a written confirmation of the stop payment request within 
14 calendar days. Any written stop payment request we receive will remain in effect for 6 
months, unless you renew the request in writing before the end of that time. We may pay 
Checks more than 6 months old. There may be circumstances under which a Check must 
be paid, even if we have received a stop payment request from you. We will not be liable 
to you if we do not honor your stop payment request under those circumstances. If it is 
determined that a Check should have been paid, but was not, we will not be liable for any 
consequential, punitive or incidental damages if we acted in good faith. Our only obligation 
under those circumstances will be to pay the designated payee the amount of the Check 
and cancel any charges assessed against your Account as a result of any wrongful failure 
to honor the Check.  

8. Balance Transfers: We may permit you to transfer balances and obligations that you 
owe other companies or financial  institutions to your  Account, subject to  the terms  and 
conditions disclosed in the Offer Materials (“Balance Transfers”). Balance Transfers will 
post to  your Account  and be separately reflected on monthly  Account statements as a 
Balance Transfer, or, depending upon the offer, may post to the Account and be treated 
as a Purchase or an Advance.   We will, in connection with any Balance Transfer offer we 
make, provide you with materials that explain how the Balance Transfer will post to your 
Account and be reflected on monthly Account statements. You may not request Balance 
Transfers on existing obligations you owe us or our affiliates. If you request a Balance 
Transfer that would cause your Account to exceed its Credit Limit, we may, at our option, 
(a) post the entire Balance Transfer requested to your Account; (b) post only a portion of 
the Balance Transfer requested to your Account up to the amount of credit available under 
the  Credit  Limit;  or  (c)  refuse  to  process  the  entire  amount  of  the  Balance  Transfer 
requested.  

9. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have 
specifically  requested  and  have  obtained  an  Overdraft  Protection  Plan  by  linking  the 
Account with a designated U.S. Bank personal checking account ("checking account").  An 
"Overdraft  Protection  Advance"  is  an  advance  of  funds  to  your  designated  checking 
account from this Account that will help cover overdrafts on your checking account.  Any 
Overdraft Protection Advance will post and be charged interest as an Advance drawn on 
the Account.  Please refer to the U.S. Bank Deposit Account Agreement (entitled, "Your 
Deposit Account Agreement") for full Overdraft Protection Plan terms and the Consumer 
Pricing Information Brochure for fees that apply for Overdraft Protection Advances.  We 
may cancel Overdraft Protection privileges under the Account, even if the Account remains 
open for other purposes. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEREST CHARGES AND ACCOUNT FEES 

10. Account INTEREST CHARGES:  INTEREST CHARGES reflect the cost of credit. Your 
total INTEREST CHARGE for any billing cycle will equal the amount of any (a) periodic 
rate INTEREST CHARGES (sometimes referred to as “interest” in this Agreement and on 
monthly Account statements); (b) Advance Transaction Fees; and (c) any other transaction 
fees that are considered INTEREST CHARGES.  

11. Interest Rate:  In this Agreement, we have abbreviated the terms “daily periodic rate” 
as  DPR,  “average  daily  balance”  as  ADB,  and  “ANNUAL  PERCENTAGE  RATE”  as 
APR.  
(a) Standard Interest Rates-  
Rate  for  "Purchases"  and  "Balance  Transfers":  The  DPR  for  transactions  posting  as 
Purchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate for 
"Advances": The DPR and corresponding APR for transactions posting to the Account as 
Advances is equal to 1/365th of its corresponding APR.  

(b) Your Variable APRs are calculated by adding a margin to the Index. Your Variable DPR 
is equal to 1/365th of the corresponding APR. Your DPR and corresponding APR  may 
increase or decrease from  time to time according to the movements up or down of the 
Index, which is the Prime  Rate published in the  "Money Rates" section of  the Midwest 
Edition of The Wall Street Journal on the last publication day before the date on which the 
billing cycle closed (in other words, the "statement date"). We reserve the right to choose 
a comparable new index if The Wall Street Journal ceases to publish a Prime Rate. The 
margin is the percentage we add to the Index to calculate the APR. The current applied 
Index value for your Account is 4.75%.  Any variable rate adjustment based on a change 
to your margin will be effective as of the first day of the current billing cycle, and will apply 
to all new Account balances and transactions subject to that variable rate. Any variable 
rate adjustment based on a change to your Index will be effective as of the first day of the 
current  billing  cycle,  and  will  apply  to  all  new  and  outstanding  Account  balances  and 
transactions subject to that variable rate. An increase or decrease to the Index or margin 
will  apply  to  Purchase,  Advance,  and  Balance  Transfer  balances  and  will  result  in  an 
increase or decrease in the INTEREST CHARGE on the Account, an increase or decrease 
to your Minimum Payment, and an increase or decrease to your New Balance. 

Introductory and Promotional Rates:  We may, at our option, offer you for a limited time  
introductory or promotional interest rates for all or  part of new  Purchase,  Advance, or 
Balance  Transfers  posted  to  your  Account.  We  will  tell  you  in  the  Offer  Materials  the 
introductory or promotional rate and the period  of time during which that rate will be in 
effect and  any conditions or requirements of the offer. Unless the  Offer Materials state 
otherwise, an introductory or promotional rate will remain in effect until the last day of the 
billing  cycle  in  which  the  introductory  or  promotional  rate  expires.  Any  introductory  or 
promotional rate that applies to new or outstanding Account balances will increase to the 
standard rate that would otherwise apply, or, when appropriate under the terms of this 
Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).    

12. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate:  We 
calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the 
applicable DPR by the ADB (including new transactions) of the Purchase, Advance and 
Balance Transfer categories subject to interest, and then adding together the resulting 
interest  from  each  category.  We  determine  the  ADB  separately  for  the  Purchases, 
Advances and Balance Transfer categories. To  get the  ADB in each category, we  add 
together the daily balances in those categories for the billing cycle and divide the result by 
the number of days in the billing cycle. We determine the daily balances each day by taking 
the beginning balance of those Account categories (including any billed but unpaid interest, 
fees, credit insurance and other charges), adding any new interest, fees, and charges, and 
subtracting any payments or credits applied against your Account balances that day. We 
add  a  Purchase,  Advance  or  Balance  Transfer  to  the  appropriate  balances  for  those 
categories on the later of the transaction date or the first day of the statement period. Billed 
but  unpaid  interest  on  Purchases,  Advances  and  Balance  Transfers  is  added  to  the 
appropriate balances for those categories each month on the statement date. Billed but 
unpaid Advance Transaction Fees are added to the Advance balance of your Account on 
the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit 
insurance  
charges, and other charges are added to the Purchase balance of the Account on the date 
they are charged to the Account. Billed but unpaid fees on Balance Transfers are added 
to  the  Balance  Transfer  balance  of  the  Account  on  the  date  they  are  charged  to  the 
Account. In other words, billed and unpaid interest, fees, and charges will be included  
in the ADB of your Account that accrues interest and will reduce the amount of credit 
available  to  you.  Credit  insurance  charges  are  not  included  in  the  ADB  calculation  for 
Purchases  until  the  first  day  of  the  billing  cycle  following  the  date  the  credit  insurance 

premium is charged to the Account. Prior statement balances subject to an interest-free 
period that have been paid on or before the payment due date in the current billing cycle 
are not included in the ADB calculation.  As described above, this Agreement provides for 
the compounding of interest on your Account. 

13.  Paying  Interest:    There  is  no  interest-free  period  for  transactions  that  post  to  the 
Account except as provided in any Offer Materials. Transactions are subject to interest 
from the date they post to the Account until the date they are paid in full.   

14. Advance Account Fees:  You agree to pay the following Account fees and INTEREST 
CHARGES: 

(a) We may add an Advance Transaction Fee INTEREST CHARGE to the Advance 
balance of the Account for each Advance you obtain during a billing cycle in addition 
to the interest that accrues on the Advances. The Advance Transaction Fee imposed 
will equal the greater of either a percentage of each Advance or the minimum dollar 
amount, subject to the maximum dollar amount.   

15.   Account Fees: 

(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for 
each Promotional Discount you receive during the billing cycle, as outlined in any 
Offer Materials. 
(b)  Each  year,  the  Account  may  be  subject  to  your  payment  in  advance  of  an                    
Annual Membership Fee which will compensate us for maintaining and servicing the 
Account for the following year.  This fee will be charged to the Purchase balance of 
your Account. 
(c) We may add a Late Payment Fee to the Purchase balance of the Account if your 
Minimum Payment is not received by the Payment Due Date shown on the monthly 
Account statement.   
(d) There is no Overlimit Fee on your Account.         
 (e) We may add a Returned Payment Fee to the Purchase balance of the Account 
if any payment on the Account is not honored or if we must return it to you because 
it cannot be processed. A check that is returned unpaid will be sent for collection.  
(f)  We  will  add  a  Duplicate  Documentation  Fee  to  the  Purchase  balance  of  the 
Account for each copy of a monthly statement, sales slip, refund slip, or Advance slip 
that  you  request.  There  will  be  no  charge  for  documentation  requests  made  in 
connection  with  a  billing  error  notice,  if  our  investigation  indicates  a  billing  error 
occurred. 
(g)  We may add a service charge to the Purchase balance of the Account if you call 
us to make a payment on your Account and are assisted by a Cardmember Service 
Representative to make the payment. You will be provided with confirmation of the 
service charge before the payment transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of your Account 
if you request a stop payment on a Convenience Check.  (See "Paying and Stopping 
Payment on Convenience Checks" section above for more details.) 
(i)   We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of                  
your Account, except where Offer Materials specify otherwise. 

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 

16. Credit Limit:  The Account Credit Limit for your Account is the maximum amount of 
credit available and that you may owe under the Account at any time. You may not request 
or obtain additional Purchases, Advances or Balance Transfers once you have reached 
your Credit Limit. The initial Credit Limit is shown on your Card carrier and will appear on 
your monthly Account statements. We reserve the right to review your Account at any time 
and increase  or decrease your Credit Limit. You may not increase your  Credit Limit by 
carrying credit balances over the Credit Limit we make available to you. 

17. Payment: You must pay us in U.S. Dollars with checks or similar payment instruments 
drawn on a financial institution located in the United States.  We will also accept payment 
in  U.S.  Dollars  via  the  Internet  or  phone  or  previously  established  automatic  payment 
transaction.    We  may,  at  our  option,  choose  to  accept  a  payment  drawn  on  a  foreign 
financial institution. However, you will be charged and agree to pay any  collection  fees 
required in connection with such a transaction. The date you mail a payment is different 
than the date we receive that payment. For purposes of this Agreement, the payment date 
is the day we receive your check or money order at the address specified on your monthly 
Account statement or the day we receive your electronic or phone payment.  If you mail 
your payment  without a  payment coupon or to an incorrect address, it may result in a 
delayed  credit  to  your  Account,  additional  INTEREST  CHARGES,  fees,  and  possible 
suspension of your Account.  

 
 
 
 
 
 
 
 
 
 
 
   
 
                   
  
 
 
 
18. Minimum Payment: Each month, you must pay at least the Minimum Payment and any 
past due Minimum Payment(s) by the Payment Due Date shown on your monthly Account 
statement. You may, at your option, pay more than the Minimum Payment or pay the New 
Balance  (as  stated  on  your  monthly  Account  statement)  in  full  to  reduce  or  avoid  the 
INTEREST  CHARGE  for  the  Account.  Your  Minimum  Payment  will  be  calculated  as 
follows:  first, we determine the “Base Minimum Payment,” which is the greater of $50.00 
or 1% of your New Balance not including items (1) and (2) below, which, if not a whole 
dollar amount, will be rounded to the next highest dollar.  To the Base Minimum Payment, 
we may add one or more of the following items, as incurred on your Account: (1) any late, 
annual and/or any other Account related fee, (2) the INTEREST CHARGE, and (3) if your 
Account is over the Credit Limit, some or all of the balance amount over your Credit Limit. 
If the resulting Minimum Payment is greater than $50.00, the total, if not a whole dollar 
amount, is then rounded to the next highest dollar not to exceed your New Balance. Any 
Minimum Payment or additional amount you pay each month will not prepay any future 
Minimum  Payments  required,  or  change  your  obligation  to  make  at  least  a  Minimum 
Payment by the Payment Due Date. Any statement credit that results from a promotional 
offer or rewards redemption, if applicable, will only be applied to the Account balance and 
not satisfy any portion of the Minimum Payment requirements for this Account.  

19. Payment Application:  If we cannot collect on your check or other payment item you 
send us to pay on your Account, we may post as an Advance transaction an amount equal 
to the credit previously given to you for such check or payment item and we may charge 
interest on this amount from the date your Account originally was credited for the payment. 
After a payment has been made, we reserve the right to withhold available credit in the 
amount of the payment for 7 business days. Any credit available before the payment is 
made will continue to be available for use during this time. 

20. Skip Payment Option:  We may, at our option, occasionally offer you an opportunity to 
skip  your  obligation  to  make  the  Minimum  Payment  due.  You  may  not  skip  payments 
unless we make this offer to you.  If we offer you an opportunity to skip a payment more 
than once in a 12 month period, you  will not be permitted to skip payments required in 
consecutive months. You cannot accept a skip payment offer if your Account is delinquent, 
or is in Default. When you take advantage of a skip payment offer, the interest will continue 
to accrue on the entire unpaid balance of your Account.  

21. Change of Address:  Your monthly Account statements and notices about your Account 
will be sent to the address you provided in your application or your response to our Account 
solicitation. To change your address, you must call or write to us.   We must receive this 
information 21 days before the date a billing cycle closes to provide your monthly Account 
statement  at  your  new  address.  If  you  have  an  address  change  within  45  days  of  the 
expiration  date  of  your  Card(s),  please  contact  Cardmember  Service  with  your  new 
address so your new Card(s) can be mailed to your new address. We may also update 
your address in our records without a request from you if we receive an address change 
notice from the U.S. Postal Service or if we receive updated address information from our 
mail services vendor. 

22.  Authorized  Users:  You  agree  not  to  allow  access  to  your  Card,  Account  number, 
Convenience Checks, or personal identification number (PIN) to anyone else to use your 
Account, except by asking us to issue a card to grant Account access to another person.  
If you allow access to your Card or Account information, you will be liable for any charges 
made by that person, unless and except as expressly required by applicable law.   You 
agree to be responsible for all Account transactions made by a Accountholder, or anyone 
who you  have authorized by (a) asking us to issue a Card to grant  Account access to 
another person; (b) lending your Card to or allowing Account access by another person; or 
(c) any other way in which you would be legally considered to have allowed another person 
to use your Account or to be legally prevented from denying that you did so.  Be cautious 
when allowing another person to become an authorized user of your Account; once you 
allow authority to any authorized user you cannot limit that authority unless the Account is 
closed to future transactions.  You, as a primary or joint Accountholder must call or write 
us with any request to cancel and remove a person’s authority. We will not provide any 
Account  information  to  anyone  other  than  you  and  any  Authorized  Users.    Authorized 
Users have no right to make any Account changes or inquiries. 

23. Lost or Stolen Card or Other Information: You must notify us immediately by telephone 
or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there is possible 
unauthorized use of your Card, Account, or PIN. You will not be liable for unauthorized use 
of your Account.  If this happens, we  will ask you and all other  persons given Account 
access to return all Cards and unused Convenience Checks to us. In addition, we have 
the right to close your Account and open a new Account. If we do so, new Cards will be 
issued.  If requested, we may issue a new PIN and new Convenience Checks for your new 
Account. 

24.  Using  Your  Card  for  International  Transactions:  You  may  use  your  Card  for  retail 
Purchases at foreign  merchants and for cash withdrawals from foreign ATMs that  bear 
either the PLUS System or the Visa logo.  Some merchant and ATM transactions, even if 
you and/or the merchant or ATM are located in the United States, are considered foreign 
transactions  under  the  applicable  Visa  rules,  in  which  case  we  will  add  the  Foreign 
Transaction Fee INTEREST CHARGE described  in this section to those transactions.  We 
do  not  control  how  these  merchants,  ATMs,  and  transactions  are  classified  for  this 
purpose.  The exchange rate in effect when the transaction is processed may differ from 
the rate in effect on the date of the transaction or the date of the posting of the transaction 
to your Account. 

If you use your Card at a merchant  or an ATM that bears the Visa logo (and no PLUS 
System  logo),  the  transaction  will  be  processed  through  the  Visa  system  and  will  be 
converted to U.S. Dollars according to the applicable rules established by Visa from time 
to time.   Currently, the currency conversion rate used by Visa to determine the foreign 
currency transaction amount in U.S. Dollars is determined by multiplying the amount of the 
foreign  currency  transaction  times  (a)  a  rate  selected  by  Visa  from  the  range  of  rates 
available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in 
effect for the applicable central processing date.  If your foreign transaction is in foreign 
currency  prior  to  being  processed  by  Visa,  we  will  add  a  Foreign  Transaction  Fee 
INTEREST  CHARGE  of  3.00%  of  the  Purchase  transaction  or  3.00%  of  the  ATM 
transaction.  If  your  foreign  transaction  is  in  or  converted  to  U.S.  Dollars  prior  to  being 
processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of 3.00% 
of the Purchase transaction or 3.00% of the ATM transaction.  If you use your Card at an 
ATM that bears only the PLUS System logo (and no  Visa logo), the transaction will be 
processed  through  the  PLUS  System  and  will  be  converted  into  U.S.  Dollars  at  the 
exchange  rate  established,  from  time  to  time,  by  the  operator  of  that  ATM.    To  the 
converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 

If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM 
operator will determine whether to send your transaction over the Visa or PLUS System 
network  using  such  network’s  respective  currency  conversion  rules  then  in  effect  (as 
explained above).   

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 

25.  Responsibility  to  Pay:    You  agree  to  pay  us  for  all  Purchases,  Advances,  Balance 
Transfers,  INTEREST  CHARGES,  Account  Fees  and  charges,  any  other  transaction 
charges as provided in this Agreement and, to the extent permitted under applicable law, 
attorneys fees and collection costs we incur enforcing this Agreement against you. This is 
the case even if your Account is only used by one of you, or is used by someone authorized 
by only one of you. If there is more than one Accountholder, each of you is responsible, 
together and separately, for the full amount owed on your Account.  Your obligation to pay 
the  Account  balance  continues  even  though  an  agreement,  divorce  decree,  court 
judgment,  or  other  document  to  which  we  are  not  a  party  may  direct  another  person 
responsible to pay the Account.   

26. Intent to Repay:  Every time you use your Account, you represent to us that you intend 
to and have the ability to repay your Account obligations. We rely on this representation 
every time you use your Account. 

27. Settling a Disputed Balance; Payment in Full:  If you want to settle a disagreement with 
us about any amount you owe by sending a check on which you have written  
“Payment  in  Full”  or  similar  language,  you  must  send  us  a  written  explanation  of  the 
disagreement or dispute and any such check to Cardmember Service. (See Your Billing  
Rights section below for complete details.) This address is different than the address you 
use to make Account payments. Writing “Payment in Full” or similar language on the check 
will not be enough to resolve the dispute. If we collect a check or any payment instrument 
marked “Payment in Full” that you sent to an address other than the one provided in this 
section (such as the  address  at which you normally make payments), we  will not  have 
waived  our  right  to  collect  any  remaining  amount  you  owe  us  under  the  terms  of  your 
Account. 

28. Default:  You and your Account will be in Default if:  

(a) we do not receive the Minimum Payment by the Payment Due Date disclosed on 
the monthly Account statement; 
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Accountholder; 
(d)  you  become  insolvent,  assign  any  property  to  your  creditors,  or  go  into 
bankruptcy or receivership; 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(e)  you  have  made  false  statements  on  your  Account  application  or  in  the 
maintenance of your Account; 
(f) we have any reason to believe that your Account is in danger of, or is being used 
for fraud; 
(g) you are a married community property state resident and you or we receive a 
written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the risk that 
you will not live up to your payment and other obligations under this Agreement; or 
(j) this is a joint Account and one of you notifies us that he or she wants the Account 
closed or will no longer be liable on the Account. 
You and your Account will also be in Default if you go over your Credit Limit. 

29. Illegal Purchases:  You agree that you will not use or permit an authorized user to use 
the Card or Account for any unlawful purpose, such as funding any account that is set up 
to facilitate online gambling. 

OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 

30. Ownership of this Account: Your Card and any other Account access devices that we 
supply to you are our property and must be immediately returned to us or our designated 
agent or otherwise destroyed or surrendered as we instruct.  

31. Changes to your Account:  Account and Agreement terms are not guaranteed for any 
period of time; we may change the terms of your Agreement, including APRs and fees, in 
accordance  with  applicable  law  and  the  terms  of  your  Agreement.  Your  transactional 
experience with us may also cause a change, including an increase in the margin that is 
added  to  the  Index,  an  increase  in  fees,  or  a  decrease  in  the  Credit  Limit.    Factors 
considered in determining the increased rate or Credit Limit decrease may include your 
general  credit  profile,  existence,  seriousness  and  timing  of  the  defaults  under  any 
agreement  that  you  have  with  us,  and  other  indications  of  the  Account  usage  and 
performance. We will give you notice of any such change in the manner required by law. 
Revised Account terms apply as of the effective date communicated in our notice to you 
unless the notice provides you with the right to opt out,  and you do opt out, before the 
effective date.   

32. Cancellation of Your Account:  We may cancel your Account or suspend your ability to 
obtain Account credit immediately, without notice, if your Account is in Default. Even if you 
are not in Default, we may cancel your Account by providing notice to you. You may cancel 
your Account by notifying us by telephone or in writing.   If this is a joint Account, we will 
honor a request by either of you to cancel the Account. After the Account is cancelled, you 
will  not  be  able  to  obtain  additional  Account  credit,  except  that,  (a)  the  Account  may 
continue to receive recurring charges for items and services until you contact and cancel 
delivery with the company providing the item or service, or (b) under certain circumstances 
if you use your Account for a transaction, the transaction may be posted to your Account.  
After your Account is cancelled, all amounts outstanding on your Account will be due and 
payable  without  notice  or  demand  from  us.  You  must  cut  all  Cards  and  Convenience 
Checks in half and return them to us.  If you do not pay the amount you owe under this 
Agreement, you will be liable for our collection costs including our reasonable attorney fees 
and expenses of legal actions, to the extent permitted by applicable law. 

33. Our Rights if You Are in Default:  If you are in Default, we will give you notice of your 
right to cure the Default as may be required by law. If you do not cure the Default within 
the time stated in the notice, we may declare the Account balance due and payable. You 
remain responsible for all amounts charged to your Account both before and after receipt 
of such notice. We may also use any other legal right it has. Except where prohibited we 
may charge any amount due against any of your deposit accounts that you have with we 
or its affiliates except for any balance resulting from use of your Bank credit card. If you 
Default by exceeding your credit limit, the excess may be treated as an Advance; however, 
it must be repaid in full with your next regular payment unless other arrangements are 
made with we at the time.  

34. Assignment of Your Account to Another Creditor:  We may assign, sell or transfer your 
Account and amounts owed by you to another creditor at any time. If we do, this Agreement 
will still be in effect unless and until amended, and any references made in this Agreement 
to “we”, “us”, or “our” will refer to the creditor to which we assigned, sold or transferred your 
Account or amounts owed under your Account. You may not delegate your obligations and 
responsibilities to us to any third party without our express written consent. 

OUR LEGAL RIGHTS AND OBLIGATIONS 

35.  Collecting  Credit  Information  about  You:    You  authorize  us  to  make  any  credit, 
employment and investigative inquiries we feel are appropriate related to giving you credit 
or collecting amounts owed on your Account. You agree that a consumer credit report may 
be  requested  periodically  from  one  or  more  consumer  reporting  agencies  (“Credit 
Bureaus”)  and  used  in  connection  with  your  application  and  any  update,  renewal  or 
extension  of credit. We will provide information about you, your  Account or  your credit 
history to Credit Bureaus and others who may properly receive that information. 

36.  Credit  Bureau  Disputes:    If  you  believe  we  inaccurately  reported  credit  history 
information  about  you  or  your  Account  to  a  Credit  Bureau,  write  to  us  at  Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166-9801.  

37.  Privacy Pledge and Disclosure of Account Information:  A copy of our Privacy Pledge 
was included with your original Agreement. We also keep copies of our Privacy Pledge in 
financial institution offices and post it on our web site.  Our Privacy Pledge describes how 
we collect, protect and use confidential financial and other information about you and the 
circumstances  in  which  we  might  share  information  about  you  with  members  of  our 
corporate family and with unaffiliated third parties. Our Privacy Pledge also tells you how 
you can (a) limit the ways we share certain kinds of information about you and (b) request 
corrections to the information we maintain about you. 

38.  Refusal  to  Honor  Transactions:    We  and  our  agents  are  not  responsible  if  anyone 
refuses to honor your Card  or a Convenience Check, or if authorization for a particular 
transaction is not given. Although you may have credit available under your Account, we 
may be unable to authorize credit for a particular transaction. The number of transactions 
you make in one day may be limited, and the limit per day may vary. These restrictions are 
for security reasons and as a result we cannot explain the details of how this system works. 
If your Account is over the Credit Limit or delinquent, authorization of credit for transactions 
may  be  declined.  We  are  not  responsible  for  anything  purchased  with  your  Card  or  a 
Convenience  Check,  except  as  expressly  required  by  applicable  law  (see  Your  Billing 
Rights section below for more details). You must return goods you purchased with the Card 
or Account to the merchant and not to us.  

39. Third Party Offers:  From time to time, third parties may provide you with benefits not 
related to the extension of Account credit. We are not liable for these features, services 
and enhancements, as they are the sole responsibility of the third party provider. We and/or 
a third party may add, change or delete entirely these benefits without notice or liability to 
you, to the extent permitted by applicable law. You agree to hold us harmless from any 
claims, actions or damages resulting from your use of any of these features, services or 
enhancements, where permitted by applicable law. 

40. Monitoring and Recording Communications: You understand and agree that we, and 
anyone acting on our behalf, may monitor and/or record any communications between you, 
or anyone acting on your behalf, and us, or anyone acting on our behalf, for quality control 
and other purposes.  You also understand and agree that this monitoring or recording may 
be  done  without  any  further  notice  to  you  or  anyone  acting  on  your  behalf.    The 
communications that may be monitored  or recorded include telephone calls, cellular or 
mobile phone calls, and any other communications in any form.    

41. Severability:  If a court of competent jurisdiction finds any part of this Agreement illegal 
or unenforceable, the remaining portions of the Agreement will remain in effect as written 
after any such illegal or unenforceable portion is amended in conformance with applicable 
law or, if necessary, voided.  

42. Entire Agreement:  This version of the web Agreement replaces any previous versions 
of the web Agreement. The Agreement, as modified by any change in terms we may deliver 
from  time  to  time  in  accordance  with  applicable  law,  constitutes  the  entire  agreement 
between you and us, and supersedes any prior negotiation, agreement, or understanding 
between you and us concerning the subject matter of the Agreement.  

43. Waiver:  We do not give up our rights under the Agreement or applicable law when we 
fail to exercise or delay exercising those rights. Our failure or delay to exercise any right or 
remedy we have against you does not mean that we waive that right. 

44. Mobile Authentication:  To help us verify your identity, you authorize your wireless 
operator (AT&T, Sprint, T-Mobile®, US Cellular®, Verizon, or any other branded wireless 
operator) to use your mobile number, name, address, email, network status, customer 
type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other 
subscriber status details, if available, to allow us to verify your identity, and to compare 
information you have provided to us with your wireless operator account profile 
information for the duration of our relationship.  See our Privacy Pledge for more 
information of how we treat your data. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
45.  CELLULAR PHONE CONTACT POLICY:   By providing us with a telephone 
number for a cellular phone or other wireless device, including a number that you 
later convert to a cellular number, you are expressly consenting to receiving 
communications—including but not limited to prerecorded or artificial voice 
message calls, text messages, and calls made by an automatic telephone dialing 
system—from us and our affiliates and agents at that number. This express 
consent applies to each such telephone number that you provide to us now or in 
the future and permits such calls for non-marketing purposes. Calls and messages 
may incur access fees from your cellular provider.  You understand and agree that, 
if your Account has been assigned, sold, or transferred to us, we, as the 
successor-in-interest, and our affiliates and agents, have your prior express 
consent to call you using prerecorded or artificial voice message calls, text 
messages, or an automatic telephone dialing system at any telephone number(s) 
you may have provided to any previous creditor(s), or which may have otherwise 
been associated with your Account prior to its assignment, transfer, or sale to us. 

46.  Arbitration Provision: 
RESOLUTION OF DISPUTES BY ARBITRATION 
PLEASE READ THIS PROVISION CAREFULLY.  UNDER THIS PROVISION, YOU 
WAIVE YOUR RIGHTS TO TRY ANY COVERED CLAIM IN COURT BEFORE A JUDGE 
OR JURY AND TO BRING OR PARTICIPATE IN ANY CLASS OR OTHER 
REPRESENTATIVE ACTION.   
The following provision applies to any claim, cause of action, proceeding, or any other 
dispute between you, on the one hand, and us, our respective parents, subsidiaries, 
affiliates, agents, employees, predecessors-in-interest, personal representatives, heirs 
and/or successors, and assigns, on the other hand (each a “Claim” as further defined 
under the heading “Claims Covered by Arbitration”), including all questions of law or fact 
related thereto.  
Agreement to Arbitrate 
Either you or we may elect in writing, and without the consent of the other, to arbitrate all 
Claims covered by this provision. 
Claims Covered By Arbitration 
Claims subject to our agreement to arbitrate shall include all of the following: (1) Claims 
related to or arising out of this Agreement, or any prior or later versions of this Agreement 
as well as any changes to the terms of this Agreement; (2) Claims related to or arising 
out of any aspect of any relationship between us that is governed by this Agreement, 
whether based in contract, tort, statute, regulation, or any other legal theory; and (3) 
Claims that relate to the construction, scope, applicability, or enforceability of this 
arbitration provision.  Claims include Claims that arose before we entered into this 
Agreement (such as Claims related to advertising) and after termination of this 
Agreement. 
Claims Not Covered By Arbitration 
Claims subject to our agreement to arbitrate shall not include (1) any Claim you file in a 
small claims court, so long as the Claim remains in such court and advances only an 
individual claim for relief, and (2) Claims asserted by way of a cross claim, counterclaim 
or any similar device against a party who has initiated a proceeding in court or other non-
arbitral forum by any other party to that proceeding.   
Commencing an Arbitration 
The party initiating arbitration must choose one of the following arbitration forums to 
administer the arbitration: 

• 

• 

The American Arbitration Association (“AAA”) under AAA’s Consumer 
Arbitration Rules, except as modified by this Agreement.  AAA’s Rules may 
be obtained from www.adr.org or 1-800-778-7879 (toll-free).   
JAMS/Endispute (“JAMS”) under JAMS’ Comprehensive Arbitration Rules & 
Procedures or Streamlined Arbitration Rules & Procedures, including JAMS’ 
Consumer Minimum Standards, except as modified by this Agreement.  
JAMS’ Class Action Procedures shall not apply.  JAMS’ rules may be 
obtained from www.jamsadr.com or 1-800-352-5267 (toll free). 
If the chosen arbitration forum is for any reason unable to serve, then the parties may 
agree to a comparable substitute organization.  If the parties are unable to agree, then a 
court of competent jurisdiction shall appoint a substitute organization.   
Arbitration Procedure 
The arbitration shall be decided by a single neutral arbitrator selected in accordance with 
AAA’s or JAMS’ rules, as applicable.  The arbitrator will decide the dispute in accordance 
with the terms of our Agreement and applicable substantive law, including the Federal 
Arbitration Act and applicable statutes of limitation.  The arbitrator shall honor claims of 
privilege recognized at law.  The arbitrator may award damages or other relief (including 
injunctive relief) available to the individual claimant under applicable law.  The arbitrator 
will not have the authority to award relief to, or against, any person or entity who is not a 
party to the arbitration.  The arbitrator will take reasonable steps to protect customer 
account information and other proprietary or confidential information.  Any arbitration 

hearing shall take place in the federal judicial district that includes your home address, 
unless you and we agree in writing to a different location or the arbitrator so orders.  If all 
Claims are for $10,000 or less, you may choose whether the arbitration will be conducted 
solely on the basis of documents submitted to the arbitrator, through a telephonic 
hearing, or by an in-person hearing in accordance with AAA’s or JAMS’ rules. 
At your or our request, the arbitrator will issue a reasoned written decision sufficient to 
explain the essential findings and conclusions on which the award is based.  The 
arbitrator’s award shall be final and binding, subject to judicial review only to the extent 
allowed under the Federal Arbitration Act.  You or we may seek to have the award 
vacated or confirmed and entered as a judgment in any court having jurisdiction. 
No Class Action or Joinder of Parties 
You and we agree that no class action, private attorney general, or other representative 
claims may be pursued in arbitration, nor may such action be pursued in court if either 
you or we elect arbitration.  Unless mutually agreed to by you and us, Claims of two or 
more persons may not be joined, consolidated, or otherwise brought together in the 
same arbitration (unless those persons are joint account owners or beneficiaries on your 
account and/or related accounts, or parties to a single transaction or related transaction).  
If this specific paragraph is determined by the arbitrator to be unenforceable, then this 
entire provision shall be null and void.   
Arbitration Costs 
Unless the applicable arbitration rules at the time of filing a Claim are more favorable to 
you, we will advance (i) all arbitration costs in an arbitration that we commence, and (ii) 
the first $2,500 in arbitration filing, administration, and arbitrator’s fees in an arbitration 
that you commence.  To the extent allowed by applicable law and our agreements, the 
arbitrator may award arbitration costs and attorneys’ fees to the prevailing party. 
Applicable Law 
You and we agree that you and we are participating in transactions that involve interstate 
commerce and that this provision and any resulting arbitration are governed by the 
Federal Arbitration Act.  To the extent state law applies, the laws of the state governing 
your account relationship apply.  No state statute pertaining to arbitration shall apply.  
This Arbitration Provision shall not apply to a party who is a covered borrower under the 
Military Lending Act. 
Severability 
Except as this provision otherwise provides, if any part of this provision is deemed to be 
invalid or unenforceable by the arbitrator, that part will be severed from the remainder of 
this provision and the remainder of this provision will be enforced. 

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). For a verbal transcript of this disclosure, please call 1-877-292-1682. 

YOUR BILLING RIGHTS 

Keep  this  document  for  future  use.    This  notice  tells  you  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement: 
If you think there is an error on your statement, call or write to us.   

In your letter or call, give us the following information: 
•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake. 

You must contact us: 
•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want 

to stop payment on the amount you think is wrong. 

What Will Happen After We Receive Your Letter or Call: 
When we receive your letter or call, we must do two things: 
1.  Within 30 days of receiving your letter or call, we must tell you that we received your 

letter.  We will also tell you if we have already corrected the error. 

 
 
 
 
 
 
 
 
 
 
  
 
 
 
2.  Within 90 days of receiving your letter or call, we must either correct the error or 
explain to you why we believe the bill is correct.  While we investigate whether or 
not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent 

• 

on that amount. 
The charge in question may remain on your statement, and we may continue 
to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for 

the remainder of your balance. 

•  We can apply any unpaid amount against your Credit limit. 

• 

After We Finish Our Investigation, One of Two Things Will Happen: 
• 

If we made a mistake, you will not have to pay the amount in question or any interest 
or other fees related to that amount. 
If we do not believe there was a mistake, you will have to pay the amount in question, 
along with applicable interest and fees.  We will send you a statement of the amount 
you owe and the date payment is due.  We may then report you as delinquent if you 
do not pay the amount we think you owe.  If you receive our explanation but still 
believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay.  If you do so, we cannot report you as delinquent without also reporting 
that you are questioning your bill.  We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases:  
If you are dissatisfied with the goods or services that you have purchased with your Card, 
and you have tried in good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the purchase.  To use this right, all of the 
following must be true: 
1. 

The purchase must have been made in your home state or within 100 miles of your 
current mailing address, and the purchase price must have been more than  $50. 
(Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an 
advertisement we mailed to you, or if we own the company that sold you the goods 
or services.) 
You must have used your credit card for the purchase. Purchases made with cash 
advances from an ATM or with a check that accesses your credit card Account   do 
not qualify. 
You must not yet have fully paid for the purchase. 

2. 

3. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact 
us in writing.  

While we investigate, the same rules apply to the disputed amount as discussed above.  
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES 
MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS. 

06_USB_LINE_OF_CREDIT