ACCOUNT OPENING DISCLOSURES 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for  Purchases 

29.99% 
This APR will vary  with the market based on the Prime Rate. 

APR for  Cash Advances 

29.99% 

Paying Interest 

This APR will vary  with the market based on the Prime Rate. 

Your Payment Due Date is at least 25 days after the close of each 
Billing Cycle. We will not charge you any interest on purchases if you 
pay your entire Account balance by the Payment Due Date each 
month. We will begin charging interest on cash advances  on the 
transaction date. 

Minimum Interest Charge 

None 

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 

Set up and Maintenance Fees 

NOTICE:  Some of  these set-up and maintenance fees will be assessed 
before you begin using your Card  and will reduce the amount of  credit 
you initially have available. Based on your Credit Limit of $500, your 
initial available credit will be $375 (or $345 if  you choose to have an 
additional  Card). 

You may still reject this plan, provided that you have  not yet used the 
Card  or paid a fee  after receiving a Monthly Billing Statement. If you do 
reject the plan, you are  not responsible for any Fees or  Other Charges. 

●  Annual Fee 

$125.00 for  the first year, after  that $96.00 annually 

●  Monthly Maintenance Fee 

$120.00 annually (billed at $10.00 per  month). Monthly Maintenance Fe 
not billed for  the first 12 months your account is opened. 

e 

●  Additional Card  Fee 

$30.00 (one time, if applicable) 

Transaction Fees 

●  Cash  Advance 

Transaction fees are  not billed for  the first 12 months your account is 
open. 

Either $5.00 or  5%  of  the amount of  each cash advance,  whichever  is 
greater. 

●  Foreign  Transaction 

3%  of each transaction in U.S. dollars. 

Penalty Fees 

●  Late Payment 

Up to $38.00 

●  Returned  Payment 

Up to $38.00 

How We Will Calculate Your Balance: We use a method called "average  daily balance(including new  purchases)." See 
INTEREST CHARGES  below  for  more  details. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Billing Rights: Information on your rights to dispute transactions and how  to exercise those rights is provided  in your 
Cardholder  Agreement and Deposit Account Contract. 

INTEREST  CHARGES: 

Periodic Rates. 

CHARGES  AND FEES 

INTEREST CHARGES  for  purchases and cash advances  are calculated at a  monthly periodic rate of  2.4992%, which is 
equivalent  to an ANNUAL  PERCENTAGE  RATE  ("APR") of  29.99%. 

Variable Rate. 

The  APR may increase or  decrease on the first day of  the subsequent monthly Billing Cycle based on changes in the 
prime rate ("Index"). The  APR is calculated by adding the amount of margin stated below to the Index. The  Index is the 
prime rate published in the Money Rates section of The Wall Street Journal on the 25th day of each month. If the Index is 
not published on that day, the Index on the next business day will be used. Any increase in the APR may increase the 
amount of  interest charged to your Account and the total amount you must pay, and may take the form of  an increase in 
the monthly Minimum Payment. If the Index  is no longer  available, we  will choose a  new index that is based upon 
comparable information. The  APR for  purchases and cash advances will be determined by adding a margin of  25.24% to 
the Index. 

INTEREST CHARGES  are imposed on purchases beginning on the date a purchase is posted to your Account. 
However,  INTEREST CHARGES will not be imposed on purchases made in any Billing Cycle in which the previous 
balance shown on your Monthly Billing Statement is zero and you pay your new  balance in full  by the Payment Due Date 
shown on your Monthly Billing Statement. INTEREST CHARGES  are imposed on cash advances  beginning on the date 
a cash advance is obtained and continuing until the balance of your Account is paid in full. There is no time in which you 
can pay the balance of  cash advances  in order  to completely avoid INTEREST CHARGES. 

INTEREST CHARGES  for  a Billing Cycle are  calculated separately for purchases and cash advances.  There is no 
minimum INTEREST CHARGE.  The  INTEREST CHARGE  calculation begins on the date the transaction is posted to 
your  Account. 

For purchases, the INTEREST CHARGE  is computed by multiplying the monthly periodic rate  by the average  daily 
balance of  purchases. To determine the average  daily balance of  purchases, we take the beginning outstanding balance 
of  purchases each day, add any new  purchases, and subtract any payments and/or credits. This gives  us the daily 
balance of purchases. (Any daily balance that is a credit balance is treated as zero ($0.00)  balance.) Then, we  add all the 
daily balances of  purchases for the Billing Cycle together and divide the total by the number of  days in the Billing Cycle. 
This gives  us the average  daily balance of purchases. 

For cash advances, the INTEREST CHARGE  is computed by multiplying the monthly periodic rate by the average  daily 
balance of cash advances.  To  get the average  daily balance of  cash advances, we  take the beginning outstanding 
balance of cash advances  each day, add in any new cash advances, and subtract any payments and/or credits that we 
apply to the cash advance balance. This gives  us the daily balance of  cash advances. (Any daily balance that is a credit 
balance is treated as zero ($0.00) balance.) Then, we add all the daily balances of cash advances  for  the Billing Cycle 
together and divide the total by the number of  days in the Billing Cycle. This gives  us the average  daily balance of  cash 
advances. 

FEES  AND OTHER  CHARGES: 

Your Account is subject to the following Fees and Other Charges, each of which may be charged to your Account: 

Cash Advance Fee. In addition to the INTEREST CHARGE  on cash advances, there is a fee  of  5% or $5.00, whichever 
is greater, for  each cash advance posted to your Account that month ("Cash Advance Fee"). NO CASH ADVANCES 
ARE  PERMITTED DURING THE  FIRST 95 DAYS AN ACCOUNT  IS OPEN. Cash Advance Fees will not be assessed 
during the first twelve  (12)  months after your Account is open. 

Additional Card Fee. Your Account will be assessed a one-time additional card fee  of  $30.00 for  each authorized user 
you add to your Account. 

Foreign Currency Transaction Fee. Your Account will be assessed a foreign currency transaction fee equal  to 3% of 
any transaction made in a foreign currency that is converted to U.S. Dollars. This fee will not be assessed to foreign 
transactions made in the first 12 months your Account is open. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Annual Fee. Your Account will be assessed an Annual Fee of  $125.00 (“Annual Fee”)  for  the first year and $96.00 each 
subsequent year. The  Annual Fee will be billed to your Account once the account is opened, and on or about your 
anniversary  date each year. Your payment of  the Annual Fee does not affect our right to close your Account or our ability 
to limit transactions on your Account. 

Annual Fee Renewal Refund Disclosure. We will refund the Annual Fee charged to your Account if you notify us, within 
30 days from  the date of  the Monthly Billing Statement on which it appears, that you wish to close your Account. 

Monthly Maintenance Fee. Your Account will be assessed a monthly maintenance fee, which will be billed at $10.00 per 
month to your Account (“Monthly Maintenance Fee”) at the end of  each Billing Cycle. The  Monthly Maintenance Fee will 
not be billed in the first 12 months your account is open. Your payment of the Monthly Maintenance Fee does not affect 
our right to close your Account or our ability to limit transactions on your Account. 

Late Payment Fee. If we do not receive a payment from you in at least the amount of the minimum payment due 
("Minimum Payment") by the Payment Due Date shown on your Monthly Billing Statement, you will be charged a Late 
Payment Fee equal to the lesser of  $27.00 or your Minimum Payment ("Late Payment Fee") in accordance with law. If 
you fail  to make a  timely payment in any of  the six (6) Billing Cycles after the initial late payment, you will be charged 
$38.00 or the amount of  the required Minimum Payment, whichever is less. We may refer  to this fee  as the "Late Fee" or 
"Late Charge". 

Returned Payment Fee. If you make a payment on your Account and your check or other payment instrument (including 
an electronic funds transfer or  a telephone authorized draft)  is not honored for  any reason or  cannot be processed, we 
will charge a Returned Payment Fee equal to the lesser of  $27.00 or your Minimum Payment ("Returned Payment Fee"). 
In  the event  a  payment is returned in any of  the six (6) Billing Cycles after the initial returned payment, you will be 
charged $38.00 or the amount of  the required Minimum Payment, whichever is less. The  charge may be imposed even  if 
we elect to re-present the item and it is paid upon our re-  presentment. We will not charge both a Late Payment Fee and 
a Returned Payment Fee based upon a single payment. 

OTHER  IMPORTANT DISCLOSURES: 

Security Deposit (if applicable). We may require a collateral deposit in the form of  a security deposit, up to the full 
amount of  the Credit Limit to be paid in full before the Account is opened to secure your obligations under this Agreement 
and to offset the risk associated with the Account. You understand and agree that if  we require a security deposit, we  
may use any or all amounts of the deposit to pay amounts you owe  under this Agreement if you are in default or  you or 
we close or  cancel your Account. Refer to the "Terms and Conditions of Your Deposit Account" and "Truth in Savings 
Disclosure — Deposit Account" section of this Agreement for  more information. 

Available Credit Limits. Once the entire security deposit, if applicable, is paid in full, your Account will be opened and 
you will have  access to your initial available  credit. Funds received in connection with a security deposit may be held up 
to 10 days before an Account is opened. 

Cash Back Rewards Program. Your Account may provide you with cash back rewards. If it does, see the separate 
Cash Back Rewards Agreement provided  to you for  terms and conditions of the rewards program. If your Account 
includes a cash back rewards  feature, the Cash Back Rewards Agreement is incorporated into this Agreement by 
reference, and any and all disputes related to the Cash Back Rewards Agreement are subject to the arbitration provision 
contained herein. 

CELTIC  BANK CARDHOLDER  AGREEMENT  AND  DEPOSIT ACCOUNT  CONTRACT 

YOUR  AGREEMENT  WITH US 

General Terms. This Agreement covers the terms and conditions of the Card  Account ("Account"). Celtic Bank is the 
Card  issuer and assigns its rights for  servicing and other rights to Continental Finance Company ("Continental Finance") 
after  Card  issuance. 

You agree to be bound by the following terms and conditions, which shall constitute an agreement between you and us. 
Furthermore, by accepting and using the Card, or  paying any INTEREST CHARGES, Fees, or  Other Charges, whichever 
comes first, you expressly agree to be bound by the provisions of  this Agreement and the rates and charges for  use of  
the Card, including as set forth  under  the "Charges and Fees" provisions, which are  hereby expressly incorporated by 
reference into this Agreement. In  this Agreement, "we", "us", and "our" refer  to Celtic Bank as the issuer of  the Card  and 
Continental Finance as servicer. "Agreement" means this Celtic Bank Cardholder  Agreement and Deposit Account 
Contract. The  words "you" and "your" mean the person who applied for  the Account and each person to whom we issue  
a Card  at the applicant's request or who  uses a Card  with the applicant's consent ("Additional Card or Authorized User"). 
The  word  "Card" means your credit card. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Please read this Agreement carefully and save  it for  future reference.  It contains important state and federal  disclosures, 
including Regulation Z  disclosures and disclosures regarding your rights in case of  errors  or  inquiries about  your bill and 
important provisions  relating to arbitration and litigation. 

Applicable Law. 

This Agreement and your Account, and any claim, dispute or controversy (whether  in contract, tort, or otherwise) at any 
time arising from or  related to your Account, this Agreement or any transferred balances, are governed  by and construed 
in accordance with applicable federal  law and, to the extent not preempted by federal  law, by the laws of Utah (without 
applying its choice-of-law rules). The  formation, legality, enforceability, and interpretation of  this Agreement, and any 
amounts contracted for, charged and received under this Agreement, will be governed  by such laws. This Agreement is 
entered into between you and us in Utah, regardless of  the state of  your residence or  whether or  not your Account or 
Card  is used in Utah. Our decisions regarding the extension of  credit to you are made in the State of Utah. Federal and 
Utah law will also apply to any controversy, claim, or dispute arising from or  relating in any way to the subject matter of 
this Agreement and your Account, including, without limitation, statutory, equitable, and tort claims. 

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). To  be 
provided  with an oral  disclosure of this information, please call toll-free  1-866-449-4514. 

Effective Date: This Agreement is effective  upon the earlier  of your acceptance and use of  the Card to make a  purchase 
or to receive a  cash advance, or  your payment of  INTEREST CHARGES, Fees or  Other Charges. You may reject this 
Card, provided  that you have  not yet used the Card  or paid INTEREST CHARGES,  Fees, or Other Charges after 
receiving a Monthly Billing Statement. If you reject the Card, you are not responsible for  any INTEREST CHARGES, 
Fees or  Other Charges. Notwithstanding anything to the contrary in this Agreement, if you are a  resident of  the State of 
New York, this Agreement is effective  upon your acceptance and use of the Card. 

Changes in Agreement Terms. We can change any term of  this Agreement, including the rate at which or  manner in 
which INTEREST CHARGES, Fees, and Other Charges are  calculated, in our sole discretion, upon such notice to you as 
is required by law. At our  option, any change will apply both to your new activity and to your outstanding balance when  
the change is effective  as permitted by law. 

Binding Effect. This Agreement is binding upon and enforceable against your heirs, legal representatives, and 
successors. 

Severability. If any provision of  this Agreement, including any portion of  the Arbitration Provisions set forth  below, is 
determined to be invalid  or unenforceable under  any rule, law, or regulation, the validity or enforceability of  any other 
provision of  this Agreement shall not be affected, and in lieu of  such invalid  or  unenforceable provision there shall be 
added automatically, as part of this Agreement, a provision as similar in terms as may be valid  and enforceable, if 
possible. Notwithstanding the foregoing, if  a class action litigation or a class-wide arbitration is permitted for  any reason, 
either party may require that the entire Dispute, as defined in the Arbitration Provision below, be heard by a  judge, sitting 
without a  jury, under  applicable court rules and procedures. 

Entire Agreement. This Agreement, together with your Application, constitutes the final and complete credit agreement 
between you and us relating to your Account and supersedes and may not be contradicted by evidence of  any prior, 
contemporaneous, or subsequent oral credit agreement between you and us relating to your Account. 

USING YOUR  CARD 

Sign Your Card. To avoid  unauthorized use of  your Card, please sign the back of your Card  immediately. 

General Use. You may use your Card  and your Account to make purchases if your Account is in good standing and you 
have  available credit. Your Card  and Account may be used only for  valid  and lawful  purposes. If you or an Authorized 
User uses your Card and Account for any other purpose, you will be responsible for  the use and may be required to 
reimburse us for  all amounts or expenses we pay as a result of  the use. No  cash advances are permitted within the first 
ninety five  (95)  days after an Account is open. After ninety five  (95)  days have  elapsed from  Account opening, you may 
obtain cash advances (See Cash Advance Fee section). You may not use the Card  or  your Account for any illegal 
transaction or any gambling transaction. We will decline identifiable gambling transactions. We may impose restrictions 
on your Account at any time as determined to be necessary by us in connection with our efforts  to detect fraud or 
unauthorized use, including restrictions on (a) the number of  transactions allowed per day; (b) the dollar amount of 
transactions approved; (c) your ability to obtain cash advances; and (d) your ability to use your Card at an automated 
teller machine ("ATM"). 

 
 
 
 
 
 
 
 
 
 
 
If you give  your Account number to make a purchase or  obtain a cash advance without presenting your Card  (such as for 
a mail order, telephone, or  Internet purchase), the legal effect will be the same as if the Card  was present. 

You may also use your Card and a  personal identification number ("PIN") to obtain cash advances  at an ATM, if we, at 
our option, issue you a PIN. ATM transactions are treated the same as cash advances. We may restrict your access to 
any ATM at any time. You should not keep your PIN with your Card. If you believe that anyone has gained unauthorized 
access to your PIN, you should advise us immediately by following the procedures under the heading "Lost or  Stolen 
Card." 

Your Responsibility for Authorized Users. If another person is given access to your Account and/or Card  with your 
express or implied permission, notwithstanding the provision above,  that person is an Authorized User, even  if we  did not 
issue an additional Card  in the Authorized User's name. At your request, and if we  agree, we may issue an additional 
Card  in the name of  an Authorized User with your Account number. You will be responsible for  all charges, cash 
advances, INTEREST CHARGES, purchases and Fees incurred by any Authorized User. We are  not required to try to 
obtain payment from  any Authorized User  before requiring payment from you. 

If you wish to remove an Authorized User from  your Account you must contact us either by telephone or  in writing. You 
will still be responsible for  payment of  all purchases, cash advances, INTEREST CHARGES  and Fees incurred or 
obtained by the Authorized User. We may close your existing Account and issue you a new Card  and Account number. 

Lost  or Stolen Card. If you notice the loss or theft of  your Card  or a  possible unauthorized use of  your Card,  you should 
write to us immediately at: Continental Finance, P.O. Box 3220, Buffalo, NY 14240-3220,  or call us at 1-800-556-5678 
. 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. 

Refusals to  Honor Card/Rejection of Transactions. We are not responsible if any financial institution, merchant, or 
other person refuses to honor your Card. Except as otherwise required by law or regulations, we  will not be responsible 
for  merchandise or services purchased through your Card. Also, we may reject any transaction for  any reason. 

USING YOUR  ACCOUNT 

Accessing  Your Credit Line. You can use the Card  and your Account to make purchases and obtain cash advances. 
Upon your request, you may be assigned a PIN. If  a PIN is assigned to you, you may obtain a cash advance, any time 
after  ninety five  (95) days after Account opening, at any authorized ATM that bears the Mastercard® acceptance mark by 
using the Card  and PIN. You should keep your PIN secure and not write it down, give  it to anyone or keep it with your 
Card. Contact us immediately if someone has gained unauthorized access to your Card(s). 

Understanding Your Credit Limit. Your "Credit Limit" is the maximum amount of  credit we  have approved  for  your 
Account. The amount of  your Credit Limit is disclosed in the "Account Opening Disclosures" section of this Agreement 
and on your Monthly Billing Statements. You are responsible for  keeping track of  your Account balance and your Credit 
Limit. Your Account balance may not exceed your Credit Limit at any time. Decisions on Credit Limit Increases will be in 
accordance with federal  law. We reserve  the right to approve  or deny authorizations or transactions from any merchant at 
our  sole discretion. 

Network Outages. From time to time, due to circumstances beyond our control (such as fires, floods, earthquakes and 
other natural disasters and unpredictable events), our  services may be unavailable.  We will not be responsible or  liable if 
this happens. 

UNDERSTANDING  YOUR  PAYMENTS 

Your Promise to Pay, Cut-Off Time, Form of Payments. You promise to pay to us all amounts advanced to you as a 
purchase or  a cash advance (including amounts advanced  for  Authorized Users) under  this Agreement, plus all 
INTEREST CHARGES  and Fees assessed on those amounts and all other  charges, costs, and Fees which are applied  
to your Account. All payments must be made in U.S. dollars, and all checks or other items tendered in payment must be 
drawn on United States financial institutions. Payments must be made to Continental Finance at the address shown on 
the Monthly Billing Statement ("Mail Payments To" address") and must be received by Continental Finance no later than 
5:00 p.m., prevailing Eastern Time  on the date on which they are  due. Payments made at a  branch or office of  Celtic  
Bank or Continental Finance prior  to the close of business at the branch or office  shall be considered received on the day 
the payment is made at such location. 

Payment Due Date. The Payment Due Date will be at least twenty-five  (25) days after  the Billing Cycle closing date 
("Payment Due Date"). Payments will be credited to your Account as of the day of  receipt if  they are made in accordance 
with our instructions. Your Payment Due Date will be the same day each month. If the Payment Due Date falls on a 
weekend, holiday or other day on which we  do not receive payments, the Minimum Payment Due plus any other payment 
must be received no later than 5:00 p.m. prevailing Eastern Time  on the next business day we receive payments. 

Amount of Payment. You may pay any or all of  the amounts you owe at any time without penalty, but you must pay at 

 
 
 
 
 
 
 
 
 
 
 
 
 
least the Minimum Payment Due each month on or before the Payment Due Date. 

Minimum Payment Due: 

●  If the New Balance shown on your Monthly Billing Statement is less than or equal  to $35.00, the Minimum Payment 

Due  equals the New Balance. 

●  If your New Balance exceeds $35.00, the Minimum Payment Due equals the greater  of 4.00% of the New Balance 

or $35.00, plus any Late Payment Fee assessed in the current Billing Cycle plus any past due amounts, not to 

exceed your  Account balance. 

Applying of Payments. Payments in excess of the Minimum Payment Due are  applied in accordance with law. 

Availability of Credit and Payment Holds. Generally, payments are credited to your Account on the day they are 
received.  Available credit created as a  result of payments posted to your Account may not be available for  up to seven 
(7) days, or longer  if circumstances warrant an additional hold, or if  we deem ourselves at risk for  any reason. If you use 
a payment service provided  by a third party to deliver  your payment to us, that third party may charge you a  fee for  such 
service; such third party fees will not be billed to your Account. Credit to your Account may be delayed up to five  (5) days 
if payment is (a) not received at the Payment Address or (b) not accompanied by the payment coupon portion of your 
Monthly Billing Statement. Delayed crediting may result in  Late Fee and additional INTEREST CHARGES  and Fees 
being applied to your Card. 

Direct Debit. You may choose, subject to our approval,  to make a payment by means of a direct debit or  charge to any 
deposit, savings, or  credit account of  yours ("Payment Account"). By requesting that we process a payment by direct 
debit or charge to your Payment Account, you hereby authorize us, at our  option, to debit your Payment Account by 
means of  an electronic transaction or to submit a paper  check or draft  to your financial institution, consistent with your 
instructions. 

Electronic Check Presentment. If you pay by check, you are authorizing us to use information on your check to make a 
one-time electronic debit from  your account at the financial institution indicated on your check. This electronic debit will   
be for  the amount of  your check; no additional amount will be added to the electronic debit. We will process your payment 
using the Automated Clearing House ("ACH") system. Electronically processed and/or presented checks (and checks 
presented electronically) are not returned to you by your financial institution, bank or credit union. We will retain an image 
of  your electronically processed check as required by law. A copy of  the check can also be retrieved  by contacting your 
financial institution. Please contact the Customer Service  Department at the telephone number  on your Monthly Billing 
Statement to learn about other payment options. 

Irregular Payments and Delay in Enforcement, Waivers and Releases. We may accept late payments, partial 
payments, checks, and money orders marked "paid in full" or language having the same effect, without losing any of  our 
rights or  legal defenses. All written communications concerning disputed amounts, including a check or other payment 
instrument that (a) indicates that the payment constitutes "payment in full" or is otherwise tendered as full  satisfaction of a 
disputed amount, or  (b) is tendered with other  conditions or limitations, must be marked or delivered  to us at the address 
for  billing inquiries shown on your Monthly Billing Statement, not the payment address. You waive  presentment for 
payment, notice of non-payment, and you agree to any extensions of time of  payment and partial payment before,  at, or 
after  maturity. 

MONTHLY  BILLING STATEMENTS, OTHER  INFORMATION AND COMMUNICATION FROM US 

When We Send Monthly Billing Statements. We will promptly send a Monthly Billing Statement at the end of each 
monthly Billing Cycle if your Account has a debit or  credit balance greater  than $1.00 or  if an INTEREST CHARGE  or 
Fee has been imposed. 

Where We Send Your Monthly Billing Statement. We will send Monthly Billing Statements and any other notices to  
you at the address shown in our files. You agree to notify us promptly of  any change in your address. We may accept 
address changes or corrections from the United States Postal Service. We may also mail Monthly Billing Statements and 
other communications to you at any address we  determine to be an address at which you can receive mail. If you elect to 
receive Monthly Billing Statements and other communications electronically, we may send those Monthly Billing 
Statements and communications as directed by you. 

Understanding Your Monthly Billing Statement. The Monthly Billing Statement will show the Previous  Balance, 
purchases and cash advances posted during the Billing Cycle, any INTEREST CHARGES, Fees and Other Charges, 
and all payments, debits, and credits to your Account through the Billing Cycle Closing Date. It will also show, among 
other things, your New Balance, the Minimum Payment Due, and the Payment Due Date (which will be at least twenty- 
five  (25) days after  the Billing Cycle Closing Date and will be the same day every  month). 

You agree to review  your Monthly Billing Statement promptly and to report any erroneous entries on such Monthly Billing 

 
 
 
 
 
 
 
 
 
 
 
 
Statement. You are obligated to report  erroneous entries within 60 days after  we mail or otherwise make the Monthly 
Billing Statement available to you. If you do not report the erroneous entries within the timeframe, the entries on your 
Monthly Billing Statement and the corresponding Account balance will be presumed to be correct. This means we will 
have  no liability to you for  transactions appearing on your Monthly Billing Statement. If you dispute a  transaction made by 
you or  someone else on your Account and we later credit your Account for all or part of  the disputed amount, you will give 
us all of  your rights against that other person. You also agree to give  us any merchandise associated with the disputed 
transaction and to help us in  our efforts  to seek reimbursement (including, but not limited to, providing  documents). 

Your Consent to  Automated-Dialer and Pre-recorded Calls and Text Messages. By providing us with a  telephone 
number(s), at any time, you consent and authorize Celtic Bank and its affiliates, agents and independent contractors, to 
contact you regarding your Account at such number(s) using any lawful  means of  communication, including, but not 
limited to calls placed to your cell, mobile or  other phone using an automated dialing service, pre-recorded messages or 
text messages. Providing us with a telephone number(s) constitutes a new authorization for  such communications, which 
authorization takes priority over  any prior  preference or election you made to opt-out of  receiving calls made using 
automated dialing services, pre-recorded messages or text messages. You do have  the option to opt out of  receiving 
communications at that number any time thereafter. Standard text messaging and/or calling charges imposed by your 
provider  may apply. 

E-mail. By providing us with your e-mail address, you agree to receive correspondence electronically from us and our 
affiliates and service  providers.  We may communicate with you by e-mail for  any lawful  or  business purpose. 

DEFAULT  PROVISIONS 

Events  of Default. You will be in default of  this Agreement if any of the following occur on this or any other Account you 
have  with us: 

●  You do not pay at least the Minimum Payment Due on your Account on or before the Payment Due Date. 

●  You die or  become legally incompetent. 

●  A bankruptcy or other insolvency proceeding is filed  by or  against you. 

●  You exceed or attempt to exceed your Credit Limit. 

●  You provide us with or have  provided  us with false or misleading information or  signatures at any time. 

●  You fail to comply with this Agreement. 

●  You fail to make any payment or  perform  any promise in any agreement or obligation you have  with us. 

●  Any judgment, lien, attachment or execution is issued against you or your property. 

●  You request an excessive number  of  replacement Cards. 

●  We reasonably believe  you will not pay amounts owed to us for  any reason. 

●  You permanently reside outside of  the United States. 

If You Are In Default: Upon your default of  this Agreement, we have all remedies provided by law including, without 
limitation, and without prior notice or  demand (except as required by applicable law), the right to: 

●  Deny use of your Account. 

●  Close or refuse to renew  your Account. 

●  Demand the return  of your Card(s). 

●  Declare your entire Account balance immediately due and payable. 

●  Increase your  Minimum Payment. 

●  Initiate collection activity. 

●  Not replace your Card(s). 

●  Reduce your Credit  Limit. 

●  Apply any part or  all of your security deposit, if applicable, to balances due. 

●  Pursue any action against you permitted by law. 

Collection Costs. To  the extent permitted by law, you must pay all court and collection costs, including reasonable 
attorneys' fees that we  incur as a result of  your default. A contingency or hourly arrangement established by us with an 
attorney or  collection agency to collect an Account in default is presumed prima facie reasonable. 

CLOSING YOUR  ACCOUNT 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
We May Close or Suspend Your Account. We may terminate your privileges under  this Agreement or  cancel or limit 
your privileges  to make purchases or obtain cash advances at any time, with or  without cause, subject to applicable 
notice requirements. 

You May Close Your Account. You may terminate your Account at any time by notifying us by telephone or  in writing. 

Whether your Account was terminated by us or  by you, you promise that any amounts that you owe  us at the time of 
termination, plus any new purchases or  cash advances will be repaid according to this Agreement. You acknowledge that 
if  the outstanding balance has not been paid to zero at the time your account is closed, any INTEREST CHARGES, 
Fees, and Other Charges will continue to be imposed at the rates specified in this agreement until the account is paid in 
full. You may terminate this Account at any time. In order to terminate your Account, you must either call us or give  us 
written notice of your intent to terminate your Account at the address for  inquiries shown on your Monthly Billing 
Statement, and pay your outstanding Account balance in full. Your notice of  termination will become effective  as soon as 
we can reasonably act on it. If  you request that we terminate your Account, but do not pay your outstanding Account 
balance in full, your credit privileges  will be terminated. You agree that if your Account is terminated by us or  by you, we 
may apply any part or  all of  your security deposit, if applicable, to your outstanding balance pursuant to the terms of  this 
Agreement. 

Account Non-Use, Inactivity and/or Closure. In connection with the initial opening of  your Account (but not in 
connection with renewing the Account or replacing Cards that have  been used for  transactions to the Account), if you 
have  not made a payment, and either: (1) you do not activate your Card, or  (2) you activate your Card  but do not use  
your Account for a purchase or  cash advance, we  may unilaterally close your Account and terminate your right to use the 
Card  or obtain credit, subject to any limitations under applicable law. If  we close the Account in accordance with this 
paragraph,  all Fees posted to your Account will be reversed. 

Initial Fees Refund Disclosure. You may still reject this plan, provided  that you have  not yet used the Account or paid 
INTEREST CHARGES, Fees or  Other Charges after  receiving a Monthly Billing Statement. If you do reject the plan, you 
are  not responsible for  any INTEREST CHARGES, Fees or Other Charges. 

OTHER  TERMS AND  CONDITIONS 

Deposit. If your Account is required to be secured by a Deposit Account, your deposit will be maintained at a financial 
institution of our choice. Additional terms and conditions governing the Deposit Account are explained elsewhere in this 
Agreement. 

Binding Effect Upon Death or Incompetency. If we pay a merchant or financial institution for a purchase or post a cash 
advance to your Account before we receive actual written notice of  your death or  incompetence, or if we  pay a  merchant 
or financial institution for a  purchase made by you or post a cash advance taken by you prior  to your death or 
incompetence, that transaction will be a valid  and binding Account obligation upon you, your estate and your personal 
representatives. 

Our Liability To You. Neither Celtic Bank nor Continental Finance will have  any liability to you other  than as provided  in 
the Agreement and these terms and conditions. Unless imposed by law, neither  Celtic Bank nor  Continental Finance will 
be liable for  any indirect, punitive, incidental, special or consequential loss or damages with respect to this Agreement. 

Notices. We will send Monthly Billing Statements and any other notices to you at the address shown in our files. If  you 
choose to receive Monthly Billing Statements electronically, we will send them and any other notices to you at the email 
address shown in our  files. You promise to inform  us promptly in writing of  any change in your address or email address. 
Any written notice from  you to us must be sent to us at Continental Finance, P.O. Box 3220, Buffalo, NY 14240-3220 or 
to such other address as we  may give  you, and shall be effective  when received by us at such address. In determining 
your last known address, we can accept address corrections received from the U.S. Postal Service. 

Credit Limit Increases. Your Account will be reviewed  for  a Credit Limit Increase in accordance with applicable law  after 
your Account has been open for  at least 12 months. In order  to receive a Credit Limit Increase, you must qualify for  and 
elect to receive such increase. Each Credit Limit Increase may vary  in size but will be subject to a maximum Credit Limit 
of  $2,000.00. Each Credit Limit Increase will appear  on your Account no later than one (1) month after you have qualified 
for  such increase. We may change the criteria applied to determine your eligibility for a Credit Limit Increase at any time 
in our sole discretion in accordance with applicable law. In addition, we  may elect, in our  sole discretion, to modify or 
discontinue the practice of granting Credit Limit Increases. 

Foreign Currency Conversion Rate. If you effect a transaction at a merchant that settles in a currency other than U.S. 
dollars, the transaction amount will be converted into U.S. dollars at a  government-mandated exchange rate, or  a 
wholesale exchange rate. The  government-mandated exchange rate  or wholesale exchange rate  is the rate  selected for 
the applicable currency on the day the transaction is processed, which may differ  from  that applicable to the date the 
transaction occurred or when it is posted to your Account. 

Call Monitoring/Recording. You authorize us and any third party servicing your Account to listen to and record 

 
 
 
 
 
 
 
 
 
 
telephone calls with you to evaluate the quality of service  or for  any other lawful purpose, if permitted under  applicable 
law. 

Sale/Assignment/Transfer. We may sell, assign, or transfer all or any portion of  your Account or any Account balances 
due under  your Account without prior notice to you. You may not sell, assign, or transfer your Card  or your Account or 
any of  your obligations under this Agreement. 

Use of  Information about You and Your Account. Because you applied for  a  Card, we are  entitled under  applicable 
law, including the Fair Credit Reporting Act, to obtain information about you from  a credit reporting agency. We may also 
verify  your credit references and other information that you provide  to us. We may obtain updated or  additional 
information about you, including consumer reports, from time to time for  any legitimate purpose including, but not limited 
to, the extension of credit to you or  the review  or  collection of your Account. We will report late payments, missed 
payments, or other defaults on your Account to credit bureaus. 

You understand to prevent  the funding of  terrorism and money laundering, the United States Government  requires 
financial institutions obtain, verify and retain certain cardholder information, such as your name, address, date of  birth  
and other  identifying information including your driver's  license or other  government-issued ID, to allow us to confirm your 
identity. We will retain this information. With respect to information about you and your Account that is covered by our 
privacy policy, we will use such information in accordance with the terms of the Privacy Policy. 

How to Contact Us. For  general inquiries we can be reached in writing at: Continental Finance, P.O. Box 3220, 
Buffalo, NY  14240-3220. Or, you can call our Customer Service Department at 1-866-449-4514.  Automated Account 
information is available  24 hours a day, 7  days a week with representatives available  Monday — Friday between the 
hours of  7:00 a.m. to 10:00 p.m. and Saturday between the hours of 9:00 a.m. to 4:00 p.m., Eastern Time. Payments 
should be mailed to the address listed on your Monthly Billing Statement. 

YOUR  BILLING RIGHTS 

KEEP  THIS NOTICE  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 Monthly Billing Statement. 

If you think there is an error on your Monthly Billing Statement, write to us at: 

Continental  Finance 

P.O. Box 3220 

Buffalo,  NY 14240-3220 

In  your letter, give  us the following information: 

●  Account information: Your name and Account number. 

●  Dollar amount: The  dollar amount of the suspected error. 

●  Description of problem: If you think there is an error on your Monthly Billing Statement, 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 Monthly Billing 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 Monthly 
Billing Statement 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 Monthly Billing Statement, and we may continue to charge you 

INTEREST CHARGES  on that amount. 

●  While you do not have  to pay the amount in question, you are responsible for  the remainder of  your Account 

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 CHARGES,  Feesor 

Other Charges 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 CHARGES, Fees and Other Charges. We will send you a Monthly Billing 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 Monthly Billing Statement 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 Monthly Billing Statement. 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 
Monthly Billing Statement is correct. 

Your Rights  if You Are Dissatisfied With Your Credit Card Purchases. 

If you are dissatisfied with the goods or services that you have  purchased with your Card  and you have tried in good faith 
to correct the problem with the merchant, you may have  the right not to pay the remaining amount due on the purchase. 

To  use this right, all of  the following must be true: 

1. The  purchase must have  been made in your home state or within 100 miles of  your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of  these are  necessary if your purchase was based on an 
advertisement we mailed to you, or  if we  own the company that sold you the goods or services.) 

2. You must have used your Card  for  the purchase. Purchases made with cash advances  from an ATM or  with a  check 
that accesses your Account do not qualify. 

3. You must not yet have  fully paid for  the purchase. 

If all of  the criteria above  are met and you are  still dissatisfied with the purchase, contact us in writing at: 

Continental  Finance 

P.O. Box 3220 

Buffalo,  NY 14240-3220 

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. 

STATE  DISCLOSURES 

California Residents. A married applicant may apply for  a separate Account. As required by law, you are  hereby notified 
that a  negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting Agency if you 
fail to fulfill  the terms of  your credit obligations. After credit approval,  each applicant shall have  the right to use the 
Account up to the limit of the Account. Each applicant may be liable for  amounts extended under  the plan to any joint 
applicant. 

Delaware Residents. Service charges not in excess of those permitted by law will be charged on the outstanding 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Account balances from month to month. 

Kentucky Residents. You may pay the unpaid balance of  your Account in whole or  in part at any time. 

New York and Vermont Residents. We may obtain a consumer report  for  any legitimate purpose in connection with 
your Account or your application, including but not limited to reviewing,  modifying, renewing and collecting on your 
Account. Upon your request, we  will inform  you of the names and addresses of any Consumer Reporting Agencies that 
have  furnished the reports. New York residents may contact the New York State Banking Department (1-800-342-3736) 
to obtain a  comparative list of credit card rates, fees and grace periods. 

Ohio Residents. The  Ohio laws against discrimination require that all creditors make credit equally available to all credit 
worthy customers, and that Consumer 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, or court order 
applying to marital property will adversely affect  a creditor's interests unless prior to the time credit is granted, the creditor 
is furnished with a  copy of the agreement, statement, or court order, or has actual knowledge of  that provision. 

TERMS AND CONDITIONS OF  YOUR  DEPOSIT ACCOUNT 

The  following additional terms apply in  connection with your Deposit Account. 

Deposit. An initial Deposit Account balance is needed to open your Account.This amount is printed in the application 
decision letter and must be paid by one of  the payment methods contained in such letter. You may make additional 
deposits to your Deposit Account up to a  maximum Deposit Account balance of $2,000. After the Account has been open 
for  90 days and we  have received at least three timely Minimum Payments, we will increase your Credit Limit to the 
amount of your Deposit Account balance. Any non-cash items tendered for  deposit will be given only provisional  credit 
until collection is final. Deposit funds may be held up to 10 days. We are not responsible for transactions initiated by mail 
or  outside depository institutions until we actually receive them. We will treat and record all security deposit funds 
received after our  "daily cutoff time" on a Business Day we are open, or received on a day that we are  not open for 
business, as if initiated on the following Business Day that we are  open. 

Withdrawals. Since this Deposit Account is collateral for your Account, and not a Fee, withdrawals are not permitted 
from  this Deposit Account while there remains an outstanding balance on your Account or while you retain possession of 
any Card. 

Applicable Law. Your Deposit Account and any claim, dispute, or controversy arising from or  relating to this Agreement 
or your Deposit Account, are governed  by and interpreted under federal  law and construed in accordance with the laws of 
the State of  Utah (without applying its choice-of-law rules). The  formation, legality, enforceability, and interpretation of  this 
Agreement, and any amounts contracted for, charged and received under  this Agreement, will be governed  by such laws. 
This Agreement is entered into between you and us in Utah, regardless of  the state of your residence. Our decisions 
regarding the Deposit Account are made in the State of Utah. Federal and Utah law will also apply to any controversy, 
claim, or dispute arising from  or relating in any way to the subject matter of this Agreement and your Deposit Account, 
including, without limitation, statutory, equitable, and tort claims. 

Bankruptcy. If you become a debtor in any proceeding under  the United States Bankruptcy Code, you agree that you  
will recognize us as a perfected secured creditor with respect to the Deposit Account and that you will declare the  
Deposit Account as exempt property pursuant to the provisions  of the United States Bankruptcy Code or applicable State 
exemption laws. 

Amendments. We may amend the terms and conditions applicable to your Deposit Account separately from the 
remainder of  this Agreement at any time with reasonable written notice to you, as required by law. 

Assignments  Prohibited. You may not assign the Deposit Account to anyone other than us without our  prior  written 
consent. 

Pledge Agreement. As a security for the payment of all credit extended through your Account, you pledge to, and grant 
Continental Finance, its successors and assigns, a security interest in all funds  now and hereafter  deposited in your 
Deposit Account. You authorize us to unconditionally restrict withdrawals from your Deposit Account. If your Account is in 
default or  if your Account is terminated for any reason, we may at any time thereafter, and without notice to you (unless 
otherwise required by law), apply all or part of  the funds in your Deposit Account as a credit toward any and all amounts 
owed on your Account. We may also exercise any other remedies under the terms of  this Agreement or otherwise legally 
available.  If your Account is cancelled or closed either by you or  us, we have  (unless otherwise required by law)  ninety 
(90)  days from the date of  such Account closure to allow for  all charges made on the Card  to clear. After the expiration of 
this period, we will remit to you the full amount remaining in your Deposit Account, if any, after  the application of the 
security deposit to any outstanding balances that remain on your Card. 

 
 
 
 
 
 
 
 
 
 
 
 
 
TRUTH IN SAVINGS DISCLOSURE —  DEPOSIT ACCOUNT 

Security Deposit Insurance. This Deposit Account will be held at an FDIC  or NCUA insured financial institution and will 
receive the benefit of  FDIC,  NCUA or  other depository insurance. 

Rate Information. This is a non-interest bearing Deposit Account. The Interest Rate and Annual 

Percentage Yield is 0%. No  interest accrues on the Deposit Account. 

Minimum Balance Limitations. The minimum balance to open the Deposit Account is the amount printed in  the 
application decision letter. Once your balance reaches the required amount, your Account will be opened. We must 
receive the entire amount within 30 days from  the date we  received your application, or any money applied to your 
Deposit Account will be refunded. 

Transaction Limitations. No withdrawals will be permitted from  your Deposit Account while there remains a  balance on 
your Account or while you retain possession of the Card. The  maximum amount of funds  that may be deposited into this 
Deposit Account is $2,000.00. Deposit amounts and the corresponding methods of  payment will be disclosed in the 
application decision letter. Deposit funds may be held for  up to 10 days, which will delay the opening of your Account. 

Fees. No fees are  charged on this Deposit Account. 

ARBITRATION  PROVISION 

PLEASE READ CAREFULLY:  This Arbitration Provision "Provision" waives any right to file claims in court, other 
than a small claims court, or to participate in a class action or other consolidated proceeding. 

CARDHOLDERS  COVERED  BY  THE MILITARY LENDING  ACT. Notwithstanding any other provision of this 
Agreement, if you are a “covered borrower” under the Military Lending Act, as defined in at 32 CFR § 232.3(g), 
the Arbitration Provision does not apply to you. 

Unless you opt out of this Provision in the manner set forth below in subpart (o), any claim that arises out of or  in any way 
relates to the Agreement, your Account, or this Provision shall be resolved exclusively by binding bilateral arbitration in 
accord with the following: 

a) This Provision is contained in  a contract evidencing interstate commerce and is governed  by the Federal Arbitration 
Act, 9 U.S.C. Sections 1-16. 

b) Provision shall be administered by the American Arbitration Association ("AAA") and conducted by a single arbitrator 
using the applicable rules and procedures established by the AAA for  expedited consumer arbitration. To  the extent any 
of  the AAA's rules and procedures contradict the express terms of the Provision, the Provision shall control and the 
contradictory portions of the AAA's rules and procedures shall not apply. 

c) The  Arbitrator shall enforce the Applicable Law  provisions in the Agreement and shall honor  applicable statutes of 
limitations and claims of privilege.  The  arbitrator may award any relief  available under  applicable law. 

d) Any arbitration hearing or proceeding shall be held in the county of your residence unless you and we agree otherwise. 

e) The  Arbitrator has no authority to conduct class, joint, or consolidated arbitration proceedings. The  arbitrator may only 
conduct arbitration and resolve claims on a bilateral basis. 

f) Regardless of  who asserts a claim[s], we shall advance your portion of  the arbitration filing and hearing fees. If we 
prevail  in  arbitration, the arbitrator may require you to reimburse us for any filing and hearing fees that we advanced on 
your behalf provided  that the total filing  and hearing fees paid by you shall not exceed the court costs you would have 
paid in a comparable state court action. This subpart (f)  shall not affect attorney's fees or  costs, including witness or 
expert witness' fees or  costs. You shall be responsible for  your own attorney's fees and costs. 

g) If permitted by applicable law, the arbitrator may award reasonable attorney's fees and costs to the party who 
substantially prevails in  arbitration. 

h) In  the event  the AAA or its rules and procedures are unavailable  for any reason, you or we  may ask a court to appoint 
a substitute arbitrator to arbitrate under  comparable rules and procedures. The  unavailability of  the AAA or  its rules and 
procedures shall not render  the Provision unenforceable. 

i) The  Provision covers  any claim arising out of  or in any way relating to the Provision itself. All issues of arbitrability must 
be arbitrated, including but not limited to whether the Provision is enforceable or  applicable. 

j) The  Provision remains in full  force and effect  unless you opt out of  the Provision in accordance with subpart (o) or you 
and we  otherwise agree in writing to set the Provision aside. The  Provision survives,  for  example but without limitation, 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
the cancellation or termination of  the Agreement or your Account, the satisfaction of any obligations under  the Agreement 
or your Account, the transfer, sale, or  assignment of the Agreement or  your Account or any rights under either, and the 
bankruptcy of any party. 

k) Each of  the following persons or  entities is an intended beneficiary of  the Provision and may enforce the Provision in 
full with respect to any claims between such persons or entities on the one hand and you on the other hand that arise out 
of  or in any way relate to the Agreement or the Provision: Continental Finance and any of its or our  past, present, and 
future employees, agents, principals, representatives, directors, officers, shareholders, governors,  managers, members, 
parent  companies, subsidiaries, affiliated entities, partners, licensees, attorneys, predecessors, successors, joint 
venturers,  contractors, assigns, designees, servicers, and "service providers"  (defined as any third party providing  us or 
any of  the foregoing entities or persons any goods or services that arise out of  or in any way relate to the Agreement or 
the Provision). 

l) The  Provision may be enforced by or against any person or entity purporting to bring claims on your behalf, including 
but not limited to any agent, representative, guardian, or  trustee. The Provision may also be enforced by or against any 
person or entity who acquires any right or  interest that, but for  the transfer of  the right or interest, would have  belonged to 
us or an intended beneficiary of  the Provision. 

m) You and we shall retain the right to bring in the small claims court for the county of your residence any claims that are 
within the small claims court's jurisdiction. Any appeal or other review  of  a small claims court judgment or order  shall be 
undertaken exclusively by arbitration in  accordance with the Provision. 

n) With the exception of subpart (e), if  any part of  the Provision is found unenforceable, subject to any rights to judicial 
and/or appellate review  the offending  part shall be severed  and the balance of  the Provision shall remain in effect and 
shall be construed in light of  the express intent of you and us to resolve all claims on a bilateral basis in binding 
arbitration. If a  final, non-appealable court judgment finds that subpart (e) is unenforceable or  cannot be given  effect, the 
entirety of the Provision shall be null and void. 

o) You may opt out of  this Provision by sending written notice to us of  your decision to opt out. Notice must be sent by 
United States Postal Certified Mail, Return Receipt Requested, to the following address: Celtic Bank, c/o Continental 
Finance Company, P.O. Box 3220, Buffalo, NY 14240-3220.  The  notice must be postmarked no later than 30 days after 
the date of your Agreement. You must retain proof  of receipt. Your decision to opt out will not affect our  decision to 
continue to extend credit to you under  the Agreement. 

Mastercard® and the Mastercard acceptance mark and service marks used by Celtic Bank under  license from 
Mastercard International. 

4/1/2018 

 
 
 
 
 
 
 
 
 
 
Pricing Addendum 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for  Purchases 

29.99% 
This APR will vary  with the market based on the Prime Rate. 

APR for  Cash Advances 

29.99% 

Paying Interest 

This APR will vary  with the market based on the Prime Rate. 

Your Payment Due Date is at least 25 days after the close of each 
Billing Cycle. We will not charge you any interest on purchases if you 
pay your entire Account balance by the Payment Due Date each 
month. We will begin charging interest on cash advances  on the 
transaction date. 

Minimum Interest Charge 

None 

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 

Set up and Maintenance Fees 

NOTICE:  Some of  these set-up and maintenance fees will be assessed 
before you begin using your Card  and will reduce the amount of  credit 
you initially have available. Based on your Credit Limit of $500, your 
initial available credit will be $375 (or $345 if  you choose to have an 
additional  Card). 

You may still reject this plan, provided that you have  not yet used the 
Card  or paid a fee  after receiving a Monthly Billing Statement. If you do 
reject the plan, you are  not responsible for any Fees or  Other Charges. 

●  Annual Fee 

$125.00 for  the first year, after  that $96.00 annually 

●  Monthly Maintenance Fee 

$120.00 annually (billed at $10.00 per  month). Monthly Maintenance Fe 
not billed for  the first 12 months your account is opened. 

e 

●  Additional Card  Fee 

$30.00 (one time, if applicable) 

Transaction Fees 

●  Cash  Advance 

Transaction fees are  not billed for  the first 12 months your account is 
open. 

Either $5.00 or  5%  of  the amount of  each cash advance,  whichever  is 
greater. 

●  Foreign  Transaction 

3%  of each transaction in U.S. dollars. 

Penalty Fees 

●  Late Payment 

Up to $38.00 

●  Returned  Payment 

Up to $38.00